# Massage Therapists & Bodyworkers — Coverage Checklist

*Only so many sessions in two hands.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: session fees + packages + tips (full year)
- [ ] Gift-card season books income into the year it is paid — estimate around your real payment calendar.
- [ ] 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 from session fees instead of net after room rent and supplies
- [ ] Have an answer for: A gift-card December distorting the marketplace year
- [ ] Have an answer for: Plans with thin PT benefits in a career carried by wrists and thumbs
- [ ] Have an answer for: Liability coverage mistaken for personal health coverage

## Fast facts to remember
- **Room rent** — deducts like booth rent
- **Prepays** — count when paid, not delivered
- **PT caps** — the benefit to compare first

## 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.