Insurance Coverage Comparison Guide
Side-by-side comparison of group vs individual coverage across disability and health.
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 complimentary 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 Transition Checklist
A 30-day step-by-step plan for clinicians moving from W2 to independent contracting.
Entity Formation Decision Tree
Interactive decision tree to help you choose between Sole Prop, LLC, and S-Corp.
2026 Tax Deduction Tracker
Spreadsheet template pre-loaded with the deduction categories most clinicians qualify for.
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