# Pet Sitters, Dog Walkers & Groomers — Coverage Checklist

*Gig work with teeth.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: platform + private client income (full year)
- [ ] The dashboards show gross — the marketplace wants what is left after the miles.
- [ ] 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: App dashboards that show gross while the marketplace wants net
- [ ] Have an answer for: Tips and private-client cash left out of estimates, then reconciled painfully
- [ ] Have an answer for: Assuming platform injury coverage is health coverage
- [ ] Have an answer for: Never checking the subsidy math at exactly the income where it is strongest

## Fast facts to remember
- **All apps** — plus private clients, one number
- **Mileage** — the deduction that adds up
- **CSR** — strong at pet-care incomes

## 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.