01Accounts and tax returns
Year-end accounts and Self Assessment or company returns for umbrella companies for healthcare workers, filed on time.
02Fixed-fee advice through the year
Questions answered by your named accountant, without the clock running.
03Making Tax Digital
Compatible software set up and quarterly updates filed where MTD applies.
04NHS pension tax
Annual allowance and taper calculations, with Scheme Pays guidance where a charge arises.
Your questions, answered
- Should healthcare workers use an umbrella company?
- An umbrella company employs you and runs your pay through PAYE, so income tax, employee and employer National Insurance and its margin all come out of the assignment rate. It suits short-term or inside-IR35 work. A limited company can be more efficient for genuinely outside-IR35 work, but has more admin. We compare both on your actual rates.
- What changed for umbrella companies in 2026?
- An umbrella company employs you and runs your pay through PAYE, so income tax, employee and employer National Insurance and its margin all come out of the assignment rate. It suits short-term or inside-IR35 work. A limited company can be more efficient for genuinely outside-IR35 work, but has more admin. We compare both on your actual rates.
- How much does an accountant for agency nurses, doctors and AHPs cost?
- Our packages for umbrella companies for healthcare workers start at £45.83 + VAT a month, with Core at £62.50 and Growth at £75 + VAT. The right package depends on your income sources, whether you trade through a company and any payroll, VAT or pension work. We confirm the exact fee in writing before any work begins, so there are no surprise invoices.
- Do agency nurses, doctors and AHPs need to comply with Making Tax Digital?
- Making Tax Digital for Income Tax applies from 6 April 2026 to sole traders and landlords whose qualifying income (gross self-employment plus property income) is over £50,000, falling to £30,000 from April 2027 and £20,000 from April 2028. PAYE salary does not count. Umbrella companies for healthcare workers trading through a limited company or a partnership are not brought in yet. We set up compatible software and file the quarterly updates for you.
- How do I switch to Medical.Accountants?
- Switching takes minutes on your side. You sign our engagement letter, we contact your previous accountant for professional clearance and records, and we take over HMRC and Companies House authorisations. You can switch mid-year; we pick up from the last filed return.
General information for the 2026/27 tax year, prepared from the official guidance linked below. It is not personalised tax or regulated financial advice. Rules and circumstances can change; confirm your position before acting.
Official sources referred to on this page: HMRC off-payroll working rules (GOV.UK); HMRC Check Employment Status for Tax (CEST); NHS Employers IR35 guidance; HMRC: Self Assessment & self-employment (GOV.UK); HMRC off-payroll working (IR35) guidance; NHSBSA: Pensions for locums; HMRC Making Tax Digital for Income Tax.
Official guidance
