# Rideshare & Delivery Drivers — Coverage Checklist

*Every app, one number.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: total earnings across all apps
- [ ] Track mileage as you go — it is usually the single biggest number on this worksheet.
- [ ] 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: Estimating income off app dashboards instead of net profit after mileage
- [ ] Have an answer for: Missing platforms when totalling annual income
- [ ] Have an answer for: Assuming platform liability coverage does something for illness or injury off-trip
- [ ] Have an answer for: Repayment at tax time after a stronger year than projected

## Fast facts to remember
- **Every app** — one combined number
- **Mileage** — usually the biggest deduction
- **Mid-year** — update when earnings change

## 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.