I worked for myself for close to 5 years.
I started by answering an ad and I got other jobs from there. Families would see me working with these pts and wanted to hire me too.
These jobs were with pts that needed extra 1:1 care in LTC.
I could ask for the pay I wanted, work when I wanted and it was cash.
My favorite job: driving Mr. B, who was 100, to his granddaughter's wedding. We joked I was his "date"... but I never had to place a chux under a date's butt before
However, I too worried about insurance and I quit doing it because, after 5 years, I worried my luck would run out. When my last pt died, I went back to working in a proper facility.
I miss being my own boss!