1099 Insurance
Insurance Marketplace for 1099 CRNAs
Going 1099 means you carry the insurance your W2 employer used to. Here's the stack that matters: malpractice, disability, health, and business liability. Real carriers, real tradeoffs.
This is a carrier directory, not an endorsement. Get quotes from 2–3 carriers in each category. Work with a broker who specializes in healthcare providers — the right rider language saves five figures over the life of a policy.
Malpractice
For 1099 CRNAs, this is non-negotiable. Choose occurrence over claims-made if at all possible — tail coverage economics are brutal. If your assignment already provides coverage, verify: occurrence vs. claims-made, per-claim limit, aggregate limit, tail provision on termination.
- Quote
CNA / HPSO
Largest CRNA malpractice writer. Occurrence and claims-made options. AANA endorsed. Most common default for 1099 CRNAs.
- Quote
NSO (Nurses Service Organization)
Competitive pricing for CRNAs, particularly per diem and part-time 1099 work. Get quotes from both HPSO and NSO.
- Quote
Berkshire Hathaway / USLI
Often quoted through brokers. Occurrence and claims-made. Consider for higher-limit scenarios (cardiac, pain).
- Quote
MedPro Group
Berkshire-owned physician-focused carrier that writes some CRNA policies. Usually through brokers.
- Quote
Proliability (Mercer)
AANA-endorsed option. Offers individual and group CRNA coverage.
Disability
Own-occupation with a medical specialty rider. This is the contract language that matters. Without it, the carrier can deem you 'able to work in some medical capacity' and deny benefits for what would functionally end your CRNA career. Buy young, lock in rates, upgrade benefit limits as income grows.
- Quote
Principal Financial
One of the strongest true own-occupation definitions for CRNAs. Works well for high-income providers. Request 'medical specialty' language.
- Quote
Guardian / Berkshire
Strong own-occupation with medical-specialty rider. Popular among physicians — pricing competitive for CRNAs with clean health history.
- Quote
MassMutual (Radius)
Own-occupation with residual disability rider. Flexible benefit periods.
- Quote
Ameritas
Competitive true own-occupation. Often the price winner for women CRNAs and non-smokers in their 30s.
- Quote
Standard Insurance
Strong claims handling reputation. Medical own-occupation rider available.
Health
ACA is the default. Spousal W2 plans are often cheaper when you run the math. An HDHP with HSA gives you a triple-tax-advantaged savings vehicle worth $100K+ over a career — under-utilized by most 1099 CRNAs.
- Quote
ACA / Healthcare.gov
The default for most 1099 CRNAs without spousal coverage. Subsidies phase out at ~$60K single / $125K MFJ under current rules, so most CRNAs pay full premium. HSA-eligible plans recommended for the tax shelter.
Spousal W2 plan
Often the cheapest math if your spouse has an employer plan. Add dependents carefully — kids on spouse's plan can save $3–5K/yr over ACA.
Direct Primary Care + catastrophic
Not a replacement for ACA, but pairs with HDHP for some 1099 CRNAs in states with strong DPC networks. Research your market.
- Quote
Christian Healthcare Ministries / Samaritan
Health-sharing ministry, not insurance. Lower cost, significant gaps. Read carefully — not recommended as sole coverage.
Business Liability
If you've formed an LLC, PLLC, or S-Corp for your 1099 work, a general liability + professional liability policy protects the business entity. Not strictly required but standard practice. Cost: $400–$900/yr typically.
- Quote
Hiscox
General liability and professional liability for S-Corp / LLC practice entities. Fast online quote.
- Quote
Next Insurance
Small business policy with general liability. Good for 1099 CRNAs who own an S-Corp or consult.
- Quote
Embroker
Broker platform that writes business owner policies (BOPs). Worth a quote alongside Hiscox.
Related resources
Full Health Insurance Guide
Deeper dive on ACA, HSAs, COBRA, and the spousal coverage math.
Disability Insurance Guide
Own-occupation vs. any-occupation, riders that matter, buying before vs. after a diagnosis.
Malpractice Insurance Guide
Occurrence vs. claims-made, tail coverage economics, consent to settle.
Business Formation Guide
Sole Prop → LLC → S-Corp structure decisions that shape your insurance needs.
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