# Franchise Owners — Coverage Checklist

*The manual skipped this chapter.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: owner draw / net franchise income
- [ ] A lean launch year often means real credits — ownership does not disqualify anyone; household income decides.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Assuming a national brand means corporate benefits — for you or the crew
- [ ] Have an answer for: FTE aggregation across locations discovered after unit two
- [ ] Have an answer for: Group renewals colliding with royalty and debt schedules
- [ ] Have an answer for: Losing trained managers to employers that offer coverage

## Fast facts to remember
- **No corporate plan** — the brand is not your employer
- **FTEs aggregate** — across your locations
- **ICHRA** — benefits at franchise margins

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.