# Landlords & Short-Term Rental Hosts — Coverage Checklist

*Income without a job.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: net rental income (schedule e, after expenses & depreciation)
- [ ] Use the after-depreciation figure — and plan separately for any year you sell a property.
- [ ] 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: Assuming no job means no path to coverage
- [ ] Have an answer for: Expecting the self-employed premium deduction that passive income does not support
- [ ] Have an answer for: Estimating from cash flow when the marketplace runs on the tax figure
- [ ] Have an answer for: A property sale blowing up the subsidy year nobody planned for

## Fast facts to remember
- **No job needed** — the marketplace runs on income
- **Schedule E** — passive income, different rules
- **Depreciation** — lowers your MAGI

## 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.