Health Insurance and the 1099 Contractor

Health Insurance for CRNAs


About Me: My name is Lyubov Abrams, and I am a nationwide health insurance broker with Healthcare Solutions Team. I specialize in working with locum tenens CRNAs to provide reliable and affordable health insurance covergae.


When you take the leap to become a locum tenens employee, one of the first obstacles you have to overcome is obtaining coverage for yourself and your family. There have been many changes to health insurance in recent days, and it is my job to help you stay informed of these changes. 


 When it comes to health insurance, you have options:


1.) You can obtain coverage through the marketplace plans. This is a good option for people with major pre existing conditions. If you have had any of the following in the last five years, you should definitely consider staying with a marketplace plan: cancer, heart attack, stroke, transient ischemic attack, rheumatoid arthristis, schizophrenia, bipolar disorder, AIDS/HIV, any recent surgeries which you need coverage for. 


2.) Individual coverage can be obtained through private insurers. There are two types of plans: indemnity plans and term plans. My preference is to sell a term plan because it most closely aligns with a major medical plan and has fewer gaps in coverage. Depending on the area you live in, there are term plans ranging from 1 month to 3 years with major PPO providers. This a great option for a locum tenens CRNA because the coverage is widespread throughout the US. It boasts features such as teledoc that works with your busy schedule and the premiums are sometimes less than half the cost of marketplace plans.


3.) If you have an LLC setup, you can also look at getting group coverage. Typically you will get the best rates if you have 5 or more people in the group. Butyou can have as little as 2 people in the group. The more people the more affordable it is going to be. The group plan is ACA compliant so it will cover all pre existing conditions. 


If you are new to being a locum CRNA or if you are just interested in knowing what your options are, I would love to speak with you! Please give me a call at 404-642-2713.