# Freelance Writers & Editors — Coverage Checklist

*Per word, per piece, covered.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: writing income, all payers (full year)
- [ ] Fifteen minutes with the running total each quarter keeps reconciliation boring.
- [ ] 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: A dozen payers, a dozen 1099s, one estimate to defend
- [ ] Have an answer for: Book advances landing in the wrong tax year for the subsidy
- [ ] Have an answer for: Under-deducting the home office and overpaying for it in premium
- [ ] Have an answer for: Solitary-trade mental health needs meeting thin behavioral networks

## Fast facts to remember
- **Every 1099** — plus the ones never issued
- **Advances** — count in the year paid
- **Home office** — the deduction writers skip

## 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.