Why Every 1099 CRNA Needs a Business Plan

As a 1099 CRNA, you may think of yourself as a healthcare provider first and foremost—and rightly so. You’re focused on delivering safe, skilled anesthesia care. But the moment you began working independently, you also became something else: a business owner.

And like every business owner, you need a plan.

Too often, 1099 CRNAs rely on word of mouth, high demand, or one or two contracts to keep them afloat. But without a roadmap, it’s easy to hit a plateau—or worse, get blindsided when something changes. That’s where a business plan comes in.

At CBFC, we specialize in helping CRNAs think like entrepreneurs—because that’s what you are. Here’s why every 1099 CRNA should have a business plan and how it can shape your financial future.

You’re Not Just a Clinician—You’re a Business

When you're self-employed, you're responsible for more than just patient outcomes. You’re running a full operation, even if it’s a solo one. That means managing:

• Income forecasting and budgeting

• Taxes and deductions

• Licensure and credentialing logistics

• Malpractice insurance and liability

• Contract negotiation

• Retirement savings and benefits

A business plan helps you think proactively about all of these areas rather than reacting in the moment.

What Should Be in a 1099 CRNA Business Plan?

You don’t need a 30-page investor deck or startup pitch. A simple, focused document that outlines your key goals and structure is enough. At CBFC, we help CRNAs build plans that include:

1. Income Goals and Projections

• How much do you want to make this year?

• What contract types (travel, per diem, long-term) support that goal?

2. Expense Planning and Tax Strategy

• Estimated quarterly tax payments

• Business deductions

• Entity structure (LLC, S Corp, etc.)

3. Licensure, Insurance, and Credentialing Schedule

• When are renewals due?

• What’s your malpractice strategy?

• What systems do you have for tracking compliance?

4. Savings, Retirement, and Emergency Planning

• Solo 401(k) or SEP IRA setup

• Emergency fund target

• Long-term wealth goals

5. Growth Plan

• New certifications or specialties you want to pursue

• Regions or facilities you want to work in

• Networking and relationship-building strategies

Why It Matters

Having a business plan gives your CRNA practice structure and direction. It helps you:

• Make smarter financial decisions

• Avoid burnout by aligning work with life goals

• Build long-term stability beyond short-term contracts

• Feel confident in conversations with accountants, lenders, or recruiters

• Shift from reactive to proactive business ownership

Even if you’re earning well today, a plan helps ensure that success lasts—and evolves with you.

How CBFC Helps CRNAs Build Business Plans That Work

We don’t just help with taxes—we help you build a sustainable, strategic CRNA practice. Our team works with you to clarify your goals, set benchmarks, optimize your tax structure, and forecast income and expenses in a way that fits your life.

Because when your financial decisions are backed by a clear plan, you don’t just stay afloat—you grow with intention.

Final Thoughts

You became a CRNA to change lives—not to get bogged down in spreadsheets. But with a smart business plan, you gain the confidence and clarity to run your career like the powerful business it is.

Need help building your CRNA business plan?
Schedule a consultation with CBFC and let’s take the guesswork out of growing your income, protecting your time, and planning your future.