hi there, regarding PA insurance (i am an NP who works with PA's) it is mandatory in most hospital type jobs although i 'believe' that your collaborating physician is somehow responsible overall. The pa's where i work carry insurance for their scope of practice...i.e. adult medicine no pedi. insurance costs generally are based on your area of practice with family practice being more expensive than just adults etc. i am not sure if this answers your question but i hope it gives you some basic understanding. happy day to you. lizzied