W-2 vs 1099 CRNA Risk Comparison Tool

Home / CRNA Insurance / W-2 vs 1099 CRNA Risk Comparison Tool / Last Updated January, 2026

Compare take-home estimates and “income fragility” across work models. Built for CRNAs: downtime, benefits, coverage gaps, and contract risk.

Hourly Rate ($) Hours / Week

Weeks Worked / Year Monthly Bills / Expenses ($)

W-2 Effective Tax Rate (%) 1099 Effective Tax Rate (%)

W-2 unpaid weeks (beyond PTO) 1099 unpaid weeks (expected)

W-2 PTO weeks (paid) Emergency Fund (months)

W-2 benefits value ($/month) 1099 self-funded benefits cost ($/month)

Disability coverage strength (W-2) Disability coverage strength (1099)

Malpractice clarity (W-2) Malpractice clarity (1099)

Note: Educational estimates only. Taxes vary widely and benefits/coverage depend on employer, contract, and policy language.

W-2

Annual Gross

Annual Take-Home (after tax)

Effective Monthly Take-Home (net + benefits)

Risk Score

—

Downtime loss—

Months of bills at risk—

1099

Annual Gross

Annual Take-Home (after tax)

Effective Monthly Take-Home (net - benefits cost)

Risk Score

—

Downtime loss—

Months of bills at risk—

Headline

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