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font-weight: 600;">Blog</a> 105 <a class='nav-cta' href='/app'>Open Calculator</a> 106 </div> 107 </nav> 108</header> 109 110<div class="page-header"> 111 <div class="section-label">
111LocumsLab Blog</div> 112 <h1>Locums finance, explained plainly</h1> 113 <p>Contract review, taxes, S-Corp strategy, and take-home pay. Practical guides for CRNAs navigating the move to locums.</p> 114</div> 115 116<div class="posts"> 117 <hr class="divider"> 118 119 <article class="post-card"> 120 <div class="post-meta"> 121 <span class="post-tag">Job Market</span> 122 <span>September 4, 2026</span> 123 <span>8 min read</span> 124 </div> 125 <h2><a href='/blog/crna-oversaturation-workforce-data'>Is the CRNA Market Getting Saturated? Here Is What 14 Years of Data Actually Shows</a></h2> 126 <p class="post-excerpt">The workforce nearly doubled in 13 years. First-time certification candidates jumped 20% in a single year. And the market is still paying record rates. A look at what the Census data, HRSA projections, and state-level wage numbers actually mean for practicing locums CRNAs.</p> 127 <a class='post-read-more' href='/blog/crna-oversaturation-workforce-data'>Read the full analysis</a> 128 </article> 129 130 <article class="post-card"> 131 <div class="post-meta"> 132 <span class="post-tag">Contract Review</span> 133 <span>August 12, 2026</span> 134 <span>7 min read</span> 135 </div> 136 <h2><a href='/blog/what-contract-analyzer-checks-crna'>What the LocumsLab Contract Analyzer Looks For in a Locums CRNA Contract</a></h2> 137 <p class="post-excerpt">When you upload a contract to the analyzer it scores it across four risk categories: financial, restriction, ambiguity, and termination. Here is a breakdown of what it is actually checking in each one, what it flags as missing, and what the recruiter questions it generates are designed to uncover.</p> 138 <a class='post-read-more' href='/blog/what-contract-analyzer-checks-crna'>Read the full guide</a> 139 </article> 140 141 <article class="post-card"> 142 <div class="post-meta"> 143 <span class="post-tag">Taxes</span> 144 <span>July 20, 2026</span> 145 <span>8 min read</span> 146 </div> 147 <h2><a href='/blog/what-is-taxable-1099-crna'>What Is Taxable as a 1099 CRNA: Income, Stipends, and Deductions Explained</a></h2> 148 <p class="post-excerpt">Going from W-2 to 1099 changes your entire relationship with the IRS. Most new 1099 CRNAs get at least one thing wrong in year one -- what counts as income, which stipends are tax-free, and what they can actually deduct. Here is a plain-language breakdown.</p> 149 <a class='post-read-more' href='/blog/what-is-taxable-1099-crna'>Read the full guide</a> 150 </article> 151 152 <article class="post-card"> 153 <div class="post-meta"> 154 <span class="post-tag">Business Setup</span> 155 <span>June 7, 2026</span> 156 <span>7 min read</span> 157 </div> 158 <h2><a href='/blog/should-crna-form-llc-before-locums'>Should You Form an LLC Before Going Locums as a CRNA?</a></h2> 159 <p class="post-excerpt">It comes up in every CRNA Facebook group the moment someone mentions going 1099. Do you need an LLC? Should you set one up before your first assignment? The short answer is: probably not immediately, and the reasons most people give for forming one right away are often wrong.</p> 160 <a class='post-read-more' href='/blog/should-crna-form-llc-before-locums'>Read the full guide</a> 161 </article> 162 163 <article class="post-card"> 164 <div class="post-meta"> 165 <span class="post-tag">Agencies</span> 166 <span>May 10, 2026</span> 167 <span>8 min read</span> 168 </div> 169 <h2><a href='/blog/how-to-evaluate-locums-agency-crna'>How to Evaluate a Locums Agency as a CRNA: What to Ask and What to Watch For</a></h2> 170 <p class="post-excerpt">There are dozens of locums agencies actively recruiting CRNAs. Some are excellent. Some will waste your time, lowball your rate, and disappear the moment you ask a hard question. The difference is not always obvious from the outside. Here is how to tell them apart before you commit to anything.</p> 171 <a class='post-read-more' href='/blog/how-to-evaluate-locums-agency-crna'>Read the full guide</a> 172 </article> 173 174 <article class="post-card"> 175 <div class="post-meta"> 176 <span class="post-tag">Job Market</span> 177 <span>May 12, 2026</span>
178 <span>8 min read</span> 179 </div> 180 <h2><a href='/blog/hottest-locums-crna-markets-2026'>The Hottest Locums CRNA Markets in 2026: Where the Work Is and What It Pays</a></h2> 181 <p class="post-excerpt">The gap between what facilities in shortage markets are posting and what most CRNAs think they can earn is wider than it looks. A breakdown of current rates by region, the highest-demand markets, and how to find the assignments worth your time.</p> 182 <a class='post-read-more' href='/blog/hottest-locums-crna-markets-2026'>Read the full guide</a> 183 </article> 184 185 <article class="post-card"> 186 <div class="post-meta"> 187 <span class="post-tag">Negotiation</span> 188 <span>May 10, 2026</span> 189 <span>8 min read</span> 190 </div> 191 <h2><a href='/blog/locums-crna-negotiation'>The Art of Negotiation for Locums CRNAs: Rate, Terms, and Everything in Between</a></h2> 192 <p class="post-excerpt">Most CRNAs accept the first number a recruiter offers. They assume the rate is fixed, the contract terms are standard, and pushing back risks losing the position. None of that is true. Here is how to approach the conversation and what is actually negotiable.</p> 193 <a class='post-read-more' href='/blog/locums-crna-negotiation'>Read the full guide</a> 194 </article> 195 196 <article class="post-card"> 197 <div class="post-meta"> 198 <span class="post-tag">Malpractice</span> 199 <span>May 4, 2026</span> 200 <span>7 min read</span> 201 </div> 202 <h2><a href='/blog/tail-coverage-locums-crna'>Tail Coverage for Locums CRNAs: What It Is and Who Should Be Paying for It</a></h2> 203 <p class="post-excerpt">Most CRNAs understand malpractice in the context of a staff job, where the employer handles it and you never think about it. Going locums changes that. The type of policy covering you, and what happens to that coverage when a contract ends, is now your problem to understand before you sign anything.</p> 204 <a class='post-read-more' href='/blog/tail-coverage-locums-crna'>Read the full guide</a> 205 </article> 206 207 <article class="post-card"> 208 <div class="post-meta"> 209 <span class="post-tag">Getting Started</span> 210 <span>April 29, 2026</span> 211 <span>6 min read</span> 212 </div> 213 <h2><a href='/blog/top-3-mistakes-crna-going-1099'>Top 3 Mistakes New CRNAs Make Going 1099</a></h2> 214 <p class="post-excerpt">Going 1099 for the first time is exciting. The rate is higher, the flexibility is real. Then the first tax bill arrives. Or you sign a contract without reading the non-compete. Or you realize in February that you have no idea what you actually made last year. These are the same three mistakes, made over and over, by CRNAs who were clinically ready but financially unprepared.</p> 215 <a class='post-read-more' href='/blog/top-3-mistakes-crna-going-1099'>Read the full guide</a> 216 </article> 217 218 <article class="post-card"> 219 <div class="post-meta"> 220 <span class="post-tag">Getting Started</span> 221 <span>April 15, 2026</span> 222 <span>9 min read</span> 223 </div> 224 <h2><a href='/blog/locums-crna-dos-and-donts'>Locums CRNA: What to Do, What to Avoid, and What to Know Before Your First Gig</a></h2> 225 <p class="post-excerpt">The first locums assignment has a learning curve nobody warns you about. The clinical side you can handle. It's the contract language, the facility red flags, and the financial setup where most CRNAs get burned early.</p> 226 <a class='post-read-more' href='/blog/locums-crna-dos-and-donts'>Read the full guide</a> 227 </article> 228 229 <article class="post-card"> 230 <div class="post-meta"> 231 <span class="post-tag">Taxes & Income</span> 232 <span>April 3, 2026</span> 233 <span>7 min read</span> 234 </div> 235 <h2><a href='/blog/w2-vs-1099-crna-physician'>W-2 vs 1099 for CRNAs: What the Difference Actually Means</a></h2> 236 <p class="post-excerpt">When you take a locums contract, you stop being a W-2 employee and become a 1099 independent contractor. That one change touches nearly every part of your financial life: taxes, take-home pay, retirement contributions, malpractice coverage, and benefits. Here's what it actually means in practice.</p> 237 <a class='post-read-more' href='/blog/w2-vs-1099-crna-physician'>Read the full guide</a> 238 </article> 239 240 <article class="post-card"> 241 <div class="post-meta">
242 <span class="post-tag">Contract Review</span> 243 <span>April 2, 2026</span> 244 <span>8 min read</span> 245 </div> 246 <h2><a href='/blog/how-to-review-locums-contract'>How to Review a Locums Contract: 12 Things CRNAs Miss</a></h2> 247 <p class="post-excerpt">You've been offered a locums contract at $225/hour. It looks good on paper. Then you dig into the language and find out the facility can cancel with 24 hours notice, you're on the hook for tail coverage, and there's a non-compete locking you out of a 50-mile radius for a year. Here's what to look for before you sign anything.</p> 248 <a class='post-read-more' href='/blog/how-to-review-locums-contract'>Read the full guide</a> 249 </article> 250 251</div> 252 253<div class="cta-strip"> 254 <h2>Run the numbers before you decide</h2> 255 <p>Free calculators for staff vs locums, true hourly rate, taxes, S-Corp savings, and more.</p> 256 <a href='/app'>Open Free Calculator</a> 257</div> 258 259<footer> 260 <div class="footer-inner"> 261 <div class="footer-brand"> 262 <h3>LocumsLab</h3> 263 <p>Financial clarity for healthcare professionals making the move to locums.</p> 264 </div> 265 <div class="footer-links-group"> 266 <h4>Product</h4> 267 <ul> 268 <li><a href='/app'>Calculator</a></li> 269 <li><a href="/#pricing">Pricing</a></li> 270 <li><a href='/guide'>Free Guide</a></li> 271 </ul> 272 </div> 273 <div class="footer-links-group"> 274 <h4>Content</h4> 275 <ul> 276 <li><a href="/blog">Blog</a></li> 277 <li><a href='/blog/how-to-review-locums-contract'>Contract Review Guide</a></li> 278 </ul> 279 </div> 280 <div class="footer-links-group"> 281 <h4>Company</h4> 282 <ul> 283 <li><a href="/#faq">FAQ</a></li> 284 <li><a href='/app?contact=true'>Contact</a></li> 285 </ul> 286 </div> 287 </div> 288 <div class="footer-bottom"> 289 <p>© 2026 LocumsLab. For illustrative purposes only. Not tax or legal advice.</p> 290 </div> 291</footer> 292 293</body> 294</html>
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