# Real Estate Agents — Coverage Checklist

*Commission income, decoded.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: gross commission income (full year)
- [ ] If a big closing changes your year, update your marketplace application — the subsidy adjusts from that point forward.
- [ ] 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: No brokerage HR to explain a plan summary or an open enrollment deadline
- [ ] Have an answer for: Estimating a full year of commission income before January
- [ ] Have an answer for: Worrying that a strong fourth quarter turns into a tax-time subsidy repayment
- [ ] Have an answer for: Association discount cards marketed in language that sounds like major medical

## Fast facts to remember
- **1099** — how most agents are classified
- **Schedule C** — where your real income lives
- **Form 8962** — where estimates settle up

## 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.