# Musicians & Touring Artists — Coverage Checklist

*Coverage on tour.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: all music income (gigs, royalties, teaching)
- [ ] Income counts whether or not a form was issued for it.
- [ ] 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: Many small income streams reported in different ways
- [ ] Have an answer for: A home network that is useless three states into a run
- [ ] Have an answer for: Hearing care that falls between medical and routine benefits
- [ ] Have an answer for: Long-standing assumption that coverage is simply not available to working musicians

## Fast facts to remember
- **Every stream** — counts as income
- **On tour** — network breadth matters
- **Hearing** — check the benefit specifically

## 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.