# Wedding & Event Planners — Coverage Checklist

*Deposits now, weddings later.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: deposits + final payments received (full year)
- [ ] A booking surge for next season raises THIS year’s estimate — update the application when the deposits land.
- [ ] 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: Deposits landing in a different tax year than the work
- [ ] Have an answer for: Premiums due across an off-season the deposits have to fund
- [ ] Have an answer for: Certificates of insurance creating a feeling of being covered
- [ ] Have an answer for: Cancellation waves whipsawing the income estimate

## Fast facts to remember
- **Deposits** — income when received
- **Off-season** — premiums still run monthly
- **COI ≠ health** — certificates protect the event

## 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.