# Nail Techs & Estheticians — Coverage Checklist

*Precision work, precise coverage.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: services + tips (full year)
- [ ] A slow January is not a Qualifying Life Event — budget premiums across the calendar instead of dropping coverage.
- [ ] 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: Overestimating income by skipping rent, product, and license deductions
- [ ] Have an answer for: Tips counted casually until Form 8962 counts them precisely
- [ ] Have an answer for: Plans with no realistic dermatology or respiratory access
- [ ] Have an answer for: Coverage dropped in a slow season and locked out until Open Enrollment

## Fast facts to remember
- **Suite rent** — deducts before the estimate
- **Tips** — count — daily totals protect you
- **Derm access** — an occupational benefit here

## 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.