GuideInsurance
Insurance Coverage Comparison Guide
Side-by-side comparison of group vs individual coverage across DI, LTC, and health.
20 min
This guide walks you through the practical steps for insurance as an independent clinician. Use it as a working document — check items off as you complete them, and revisit when your situation changes.
Below is the full step-by-step list. Each item links to a longer explanation in the CCA member portal where applicable.
The checklist
- Review your current employment contract for non-compete and notice provisions
- Set a target start date for independent practice (allow 60-90 days for credentialing)
- Form your business entity (LLC recommended in most states)
- Apply for an EIN with the IRS
- Open a business checking account separate from personal
- Set up a solo 401(k) or SEP-IRA
- Lock in disability insurance while still employed
- Apply for individual health insurance to bridge any coverage gap
- Schedule your $595 CCA tax strategy consultation
- Join the CCA community for peer support
Key takeaways
- Start the entity formation and insurance steps 60-90 days before your first 1099 paycheck.
- Maintain continuous health coverage during the transition.
- Lock in disability insurance while you're still healthy and employed.
- Connect with peers early -- it pays off in referrals, rate intel, and resilience.
Related resources
1099 TransitionChecklist
1099 Transition Checklist
A 30-day step-by-step plan for clinicians moving from W2 to independent contracting.
15 min
Tax & FinanceDecision Tree Members
Entity Formation Decision Tree
Interactive decision tree to help you choose between Sole Prop, LLC, and S-Corp.
Tax & FinanceTemplate Members
2026 Tax Deduction Tracker
Spreadsheet template pre-loaded with the deduction categories most clinicians qualify for.
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