# Restaurant & Food Service Owners — Coverage Checklist

*Cover the owner first.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: net restaurant profit (schedule c)
- [ ] Access to affordable coverage through a spouse can affect subsidy eligibility — worth checking before you enroll.
- [ ] 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: The owner going uninsured while the business consumes every spare dollar
- [ ] Have an answer for: Seasonal and part-time headcount that complicates any group arrangement
- [ ] Have an answer for: Benefit costs that are hard to predict against thin margins
- [ ] Have an answer for: Losing experienced kitchen staff to employers offering something

## Fast facts to remember
- **Owner first** — then the crew
- **50 FTE** — the mandate line
- **ICHRA** — a predictable benefit cost

## 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.