Insurance Needs Assessment Checklist
Walk through your specific risk profile and identify the coverage that actually matters for you.
This checklist 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.
Preview
- 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)
Members get the full checklist
Join CCA for $20/month to unlock this resource — plus group insurance, tax consultation, EAP, community, and the rest of the member benefits.
Join CCA — $20/moKey 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.
Insurance Coverage Comparison Guide
Side-by-side comparison of group vs individual coverage across DI, LTC, and health.
Ready to restore your benefits?
Join 1,600+ independent clinicians for $20/month.
$20/month. Cancel anytime.