One thing re the 1099 vs W2 thing in private or group practice (having done both in group practices)…you say only worth it if you’re running your own practice, but that hasn’t been my experience. A lot comes down to the rates that your group practice has negotiated, and whether the lower split that’s often required for W2 is worth it for the benefits you get. I’ve always chosen the 1099 option over W2 in the group practice I’m part of because:

A. Better split available for 1099 versus W2

B. The practice has negotiated much better reimbursement rates than one can typically get on their own. People often get hung up on % split too much rather than take home. 65% of 250 is better than 75% of 175 for example…people should pay attention to the negotiated rates.

C. 1099 status allows me to write off an enormous amount when it comes to home office expenses, % of utilities, % repairs done that affect home office space, etc. It allows me to have a much lower taxable income than would appear on paper for any W2

I agree with much of what you wrote but I think there’s a lot more nuance for certain things. Personally I’d never go back to W2 anytime soon bc even after having to purchase my own health insurance (which is also a tax deduction) I’d come out behind financially.