# Photographers & Videographers — Coverage Checklist

*Busy-season budgeting.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: booking revenue (full year)
- [ ] Base the estimate on your full previous year, not your best quarter.
- [ ] 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: Premiums due in months with almost no bookings
- [ ] Have an answer for: Cancelling coverage in the off season and being locked out until Open Enrollment
- [ ] Have an answer for: Gear and liability cover creating a false sense of being insured
- [ ] Have an answer for: Repetitive strain that builds over seasons rather than arriving at once

## Fast facts to remember
- **12 months** — of premiums, a few months of bookings
- **QLE** — a slow season is not one
- **3 policies** — gear, liability, health — one covers you

## 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.