1099 vs W-2 for Healthcare Workers: Everything Nurses and DSPs Need to Know

Christiana John
Aug 8
3 min read

If you're a nurse, CNA, DSP, or any healthcare professional looking for flexible job opportunities, you’ve likely heard the terms “1099” and “W2.” These classifications determine how you're paid, taxed, and what benefits you might receive.

But what do they really mean? And how do they affect your work with staffing agencies like Jento Solutions?

In this post, we’ll break down the differences, pros and cons, and help you decide what’s best for your career.

What is a 1099 Worker in Healthcare?

A 1099 worker is considered an independent contractor. This means you're self-employed in the eyes of the IRS, and you contract your services out to agencies or facilities — like working with Jento Solutions.

Key Features of 1099 Healthcare Workers:

You are responsible for your own taxes
You don’t receive benefits like health insurance or PTO
You often earn a higher hourly rate
You have more flexibility in choosing when and where to work
You may work for multiple staffing agencies simultaneously

What is a W2 Worker in Healthcare?

A W2 worker is considered a direct employee of the staffing agency or healthcare facility. Taxes are automatically deducted from your paycheck, and you may receive benefits depending on your employer.

Key Features of W2 Healthcare Workers:

Taxes are withheld by your employer
You may receive employee benefits (insurance, PTO, etc.)
Often less flexibility in shift selection
Generally lower hourly pay
You are often committed to one employer

1099 vs W2 for Healthcare Workers: Key Differences

Feature	1099 Contractor	W2 Employee
Tax Handling	You file your own taxes	Employer withholds taxes
Benefits	Not provided	May include PTO, insurance
Flexibility	High – You choose shifts	Lower – Employer schedules
Hourly Pay	Typically higher	Typically lower
Job Security	Varies per contract	More structured/stable
Work for Multiple	Yes, easily	Usually not allowed

Which Option Does Jento Solutions Offer?

At Jento Solutions, we currently operate on a 1099 model for nurses, CNAs, and DSPs.

Why?

Because we believe in empowering healthcare professionals with the freedom to:

Pick their own shifts
Earn competitive rates
Work with flexibility that fits their lifestyle

We understand that today's workforce values independence and control, especially in healthcare where burnout is real.

Should You Choose 1099 or W2 as a Nurse or DSP?

Here’s a simple rule of thumb:

Choose 1099 if you want higher pay, more freedom, and are comfortable managing your own taxes.
Choose W2 if you want stability, structure, and employee benefits.

Pro Tip: Some healthcare professionals start with 1099 work to build experience and flexibility, then transition into W2 roles for benefits and consistency - or vice versa.

Frequently Asked Questions

Q: Do I need to pay quarterly taxes as a 1099 worker?

A: Yes. Since no taxes are withheld, you’ll need to file estimated taxes quarterly or consult a tax professional.

Q: Can I get benefits while working 1099?

A: Benefits aren’t provided by Jento Solutions, but you can secure private insurance or use a freelancer health benefits platform

Q: What documents do I need as a 1099 worker?

A: We require key credentials like your license, background check, TB/Physical. You’ll also receive a 1099 form at tax time.

Conclusion

Choosing between 1099 vs W2 is more than just a tax decision, it’s about how you want to live and work.

At Jento Solutions, our 1099 healthcare staffing model is designed to put professionals like you in control. Whether you're a seasoned RN, CNA, or DSP, we're here to support your journey with flexible, high-paying opportunities across Pennsylvania.

Ready to Get Started?

Join the hundreds of healthcare heroes already earning more with Jento Solutions.

👉 Apply now or email us at onboarding@jentosolutions.com to learn more.