# Landscapers & Lawn Care — Coverage Checklist

*Average the season.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: contract & route revenue (full year)
- [ ] Big contracts landing mid-year are what application updates are for.
- [ ] 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: Estimating a year off summer numbers and repaying credit in April
- [ ] Have an answer for: Owner comp exemptions leaving on-site injuries personally funded
- [ ] Have an answer for: Crews too seasonal for any traditional group arrangement
- [ ] Have an answer for: Premiums due in months when no grass is growing

## Fast facts to remember
- **Full year** — average, don’t annualize June
- **Comp ≠ health** — crew, on the job, only
- **ICHRA** — works for seasonal crews

## 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.