# Tattoo Artists & Piercers — Coverage Checklist

*The shop is your landlord.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: client payments + tips (full year)
- [ ] Log cash as you go — a defensible estimate beats an April repayment.
- [ ] 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 the shop covers anything because the split feels like employment
- [ ] Have an answer for: Estimating income from take-home cash instead of net after rent and supplies
- [ ] Have an answer for: An advance-credit repayment after an unreported convention season
- [ ] Have an answer for: Plans with thin physical-therapy benefits in a career that is all hands and posture

## Fast facts to remember
- **Chair rent** — deducts before your estimate
- **Cash + tips** — count toward MAGI
- **Schedule C** — the number that matters

## 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.