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We answer a listener who asks how to know if locums is the right move and whether they’re truly ready for independence. We break down confidence, clinical readiness, and the mindset shift needed to succeed as a 1099 physician.

This episode hits home for:

● Medical students

● Residents & fellows

● Attending physicians

● 1099 & locums doctors

● Anyone interested in healthcare policy or physician lifestyle

If you’re studying, training, practicing, or thinking about locums… this one’s for you.

Comment Below:

● Are you considering locums in 2025–2026?

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

Study about physician satisfaction from pubmed - https://pubmed.ncbi.nlm.nih.gov/12755252/

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This episode is sponsored by

Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

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In this episode we're discussing a life update which is renting out part of our home + kitchen renovations we are doing.
We are breaking down the financial lessons we’re learning as a physician household with tenants.

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

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Email: team@drniidarko.com

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Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

In this episode, we’re diving deep into:

1. Wale’s new album. Is it worth playing in the OR?

A quick, fun review: focus, vibe, and OR compatibility.

2. HSA Deadline Reminder. LAST MONTH to contribute

We’re making ours… are you? If you’re a med student, resident, or attending in a high deductible plan, this is the best tax tool available.

This episode hits home for:

● Nursing students

● Medical students

● Residents & fellows

● Attending physicians

● 1099 & locums doctors

● Anyone interested in healthcare policy or physician lifestyle

If you’re studying, training, practicing, or thinking about locums… this one’s for you.

Comment Below:

● Would you listen to Wale’s new album in the OR?

● Are you making your HSA contribution this year?

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

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WATCH THIS EPISODE ON YOUTUBE!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

This episode hits EVERY corner of healthcare. Medical students, residents, nursing students, and attendings.

We’re diving deep into:

1. The Department of Education’s classification of nursing as not a professional degree

● What does this actually mean?

● Does it affect student loans?

● Will this change the future of nursing?

● Why EVERY healthcare worker should pay attention

This episode hits home for:

● Nursing students

● Medical students

● Residents & fellows

● Attending physicians

● 1099 & locums doctors

● Anyone interested in healthcare policy or physician lifestyle

If you’re studying, training, practicing, or thinking about locums… this one’s for you.

Comment Below:

● Are you a nursing student affected by the DOE classification?

● Would you listen to Wale’s new album in the OR?

● Are you making your HSA contribution this year?

● Are you considering locums in 2025–2026?

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

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WATCH THIS EPISODE ON YOUTUBE!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

We tackle a raw listener question about carrying $520k in med school debt, feeling guilty about pursuing Public Service Loan Forgiveness, and navigating first‑gen family expectations. We break down what PSLF really is, why it exists, and how to compare it against traditional and accelerated payoff paths.

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

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Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

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Text us at 833-230-2860

Wanna listen instead?

Apple podcast: https://podcasts.apple.com/us/podcast...

Spotify: https://open.spotify.com/show/7lPD2QG...

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

The Affordable Care Act marketplace is facing a massive premium spike in 2026 — and Congress is running out of time to stop it.
In this episode of Docs Outside The Box, Dr. Nii and Dr. Renee break down exactly why ACA premiums are increasing, what happens if Congress does nothing, and how this will impact:

• Medical students
• Residents & fellows
• Early-career doctors
• 1099 independent contractors
• Locums physicians
• Patients relying on marketplace plans

Whether you buy your own insurance or you care for patients who do — this episode gives you the real-world implications and action steps you need right now.

In This Episode You’ll Learn:

✔️ Why ACA marketplace premiums could jump 40–60%
✔️ How expiring federal subsidies affect patients AND physicians
✔️ Why independent contractors will feel the biggest financial hit
✔️ The impact on hospitals, uninsured rates & ER volume
✔️ What doctors can do NOW to prepare (financial steps included)

🎧 Perfect Episode For:

• Medical students navigating their first insurance decisions
• Residents & fellows in high-deductible plans
• New attendings planning their 2026 budgets
• Locums docs & 1099 contractors buying their own insurance
• Any clinician wanting clarity on the latest healthcare policy changes

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

ACA Premium Spike Analysis — HealthSystemTracker
https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/?utm_source=chatgpt.com

Subsidy Expiration Breakdown — Center on Budget and Policy Priorities
https://www.cbpp.org/research/health/health-insurance-premium-spikes-imminent-as-tax-credit-enhancements-set-to-expire?utm_source=chatgpt.com

Congressional Update on ACA Debate
https://cnycentral.com/news/nation-world/congress-enters-crunch-time-to-figure-out-how-to-deal-with-aca-subsidies-affordable-care-act-obamacare-health-insurance-premiums?utm_source=chatgpt.com

Independent Contractors & ACA Tax Credit Changes
https://jasonfintips.com/insurance-risk-management-blog/affordable-health-insurance-for-independent-contractors-understanding-the-new-aca-tax-credit-changes/?utm_source=chatgpt.com

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Wanna listen instead?

Apple podcast:

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

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We help a graduating resident weigh a bold plan of using locums to pay down $478k in student loans while planning a sustainable U.S.–Ghana travel rhythm. If you’re a physician considering locums, global living, or a career design that puts family and culture first, this conversation gives you a clear, workable path forward.

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/

WATCH THIS EPISODE ON YOUTUBE!

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

In this episode, we pull back the curtain on the five financial moves that created real change in our lives....no fluff, no hype, just the systems and decisions that actually stuck. We discussed the importance of going all in on a few moves instead of ten half‑started projects.

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/

WATCH THIS EPISODE ON YOUTUBE!

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!