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The CRNA's Quick Reference Guide to Working as an Independent Contractor

The CRNA's Quick Reference Guide to Working as an Independent Contractor

September 17, 2021

Becoming a CRNA independent contractor can be complicated, but very lucrative. Every day, our experts help freelance CRNAs from all across the country make sure they are taking advantage of all the opportunities that 1099 can bring. Whether you're a seasoned 1099 veteran or just starting out, our experienced team can review your situation to make sure you aren't missing out on some of the benefits of being a CRNA freelancer. Sure, there are other firms that can help you get it done, but having it done the right way, by professionals who understand the ins and outs of your profession, could save you tens (or even hundreds) of thousands of dollars! If you're already a 1099 CRNA, or are just thinking about freelancing, we've compiled this Quick Reference Guide exclusively for CRNA independent contractors.

  • Protect yourself and your assets by performing your contract work under the umbrella of a business entity. Think about what you’d like your proposed business to be named!
  • Visit your Secretary of State website to see if your chosen name is available
  • Check with your state’s Board of Nursing for state specific requirements
  • File applicable business set-up paperwork
  • Register for an EIN
  • Open a business checking account and credit card
  • Keep track of all your business expenses as these could save you money come tax time!
  • Be sure not to co-mingle your business and personal finances!
  • Remember, as a freelance CRNA, if you don’t work, you don’t get paid!
    Do you have at least six months savings should your contract abruptly stop?
  • Think about replacing your current benefits
    • Health Insurance – The AANA has a Member Advantage Partner that offers health insurance!
    • Health Savings Account/Dependent Savings Account
    • Retirement Savings Account – CRNA Financial Planning® can help!
    • Life Insurance – Check with CRNA Financial Planning®!
    • Disability Insurance – We have partners who can help!
  • Procure malpractice insurance – consider AANA Insurance Services
  • Look for jobs!
  • Have an employment attorney review your contract
  • Have your contract written to your business and deposit all earnings into your business checking
  • Make sure you have a trusted team of accounting and/or financial professionals who have experience with freelance CRNAs to guide you through this process!

Click to download our printable PDF:
The CRNA's Quick Reference Guide to Working as an Independent Contractor

Consider working with a professional who understands the unique elements of CRNA businesses. Furthermore, to keep your business and personal finances organized and streamlined, it can be beneficial to integrate your tax planning with your financial planning. With decades of experience working exclusively with CRNAs, CRNA Financial Planning® has the knowledge to help you save more of your hard earned money and determine appropriate tax minimization strategies. Schedule a free introductory phone call to discuss your current situation and needs. You can also call our office at 855.304.3748 or email us at

Investment advice offered through Private Advisor Group, a registered investment advisor. Private Advisor Group, CRNA Financial Planning® and the American Association of Nurse Anesthetists are separate entities from LPL Financial. This information is not a comprehensive list of all things to consider when going 1099, nor is it intended to be a substitute for individualized tax advice. Please consult with your legal, tax or financial professional regarding your specific circumstances.