Health Insurance Broker & Agent | Sobal Nationwide Health

Your Florida Health Insurance Broker, Tailored to Your Budget.

Confused by health insurance? You don’t have to be. As your licensed broker, I simplify the process, compare every option, and find coverage that fits — whether you’re self-employed, a small business, a high earner, or a family. Hablamos Español. No pressure. No jargon. Just clarity.

Serving Miami, Tampa, Orlando, Fort Lauderdale, Jacksonville & Boca Raton — and clients across all 31 states.

✦Tailored Private Health Insurance — any doctor, any hospital

✦ACA / Marketplace Plans

✦Supplemental — Dental, Vision & Accident Coverage

✦Small Business & Group Health

✦ Self-employed & 1099 — deduct up to 100% of premiums✦ High earner? Nationwide private PPO — keep your doctors✦ Small business owner? Private coverage for you & your team

Call Now — (305) 900-5903

Request a Free Quote

Takes under 60 seconds — you'll get an instant email confirmation, and a licensed advisor reaches out fast (usually within minutes during business hours).

Thank you — you’re all set!

Your request is in — check your inbox for a note from Bernie. A licensed advisor will reach out shortly, usually within minutes during business hours.

Don’t want to wait? Reach Bernie right now:

Your Coverage Options — Simplified

Plans Built Around Your Life

Whatever your situation, there's a plan for it. We'll help you choose the right one based on your needs, budget, and goals.

Private Health Insurance

Private, off-exchange PPO & HMO plans for individuals and families — nationwide networks and the freedom to choose your own doctors and hospitals, with options beyond the standard marketplace. Ideal for high earners who don’t qualify for a subsidy.

Small Business & Group

Attract and keep great talent with group benefits designed around your business size, industry, and budget — at premiums you can afford.

Dental & Vision

Up to 84% savings on vision and 3 dental plans to choose from — preventative, basic, major and orthodontic care. Standalone or bundled.

Supplemental Coverage

Critical illness, accident, and disability income protection to cover what your main plan doesn't — so one event doesn't derail your finances.

Coverage for 1099s

Truckers, contractors, realtors, freelancers and the self-employed — portable coverage that stays with you wherever your work takes you.

Policy Review & Switching

Already insured but unsure it's the right plan? We'll review your current policy free and show you where you can save or improve.

Bernie Sobalvarro

Founder & Licensed Health Advisor · NPN# 19189235

After learning the ins and outs of the industry, I discovered how many people struggle with the same health insurance confusion I once did — so I got licensed to help. My team and I take an educational approach, explaining every option in plain language so you fully understand the plan you sign up for.

"My job is simple: cut through the confusion, give you clear and honest guidance, and find coverage that actually fits your life and your budget."

Today, with 6+ years of experience serving clients across 31 states, my team and I are built on one principle — personalized service that puts you first. Most people settle for whatever plan pops up first online. You deserve a real conversation with someone who works for you. Hablamos Español.

Talk to Bernie →

Your Team

Meet the Rest of Your Team

Bilingual, licensed brokers ready to help — tap a card for a quick bio, then book a free 15-minute call.

Eric Vasquez

Licensed Health Insurance Broker

English · EspañolBook a 15-Min Call →↻ Tap for bio

Eric Vasquez

A licensed broker fluent in English and Spanish, Eric walks clients through every option with patience and zero pressure — just the plan that truly fits.

NPN 22212565Book a 15-Min Call →↩ Tap to flip back

Ayoub Cherif

Licensed Health Insurance Broker

English · ArabicBook a 15-Min Call →↻ Tap for bio

Ayoub Cherif

A licensed broker fluent in English and Arabic, Ayoub helps individuals and families secure dependable, affordable coverage built around their real needs.

NPN 22089749Book a 15-Min Call →↩ Tap to flip back

Florida Health Insurance — Frequently Asked Questions

Does it cost anything to use a health insurance broker?

No. Our services are 100% free to you. We're compensated by the insurance carriers, so you get expert, unbiased guidance at no extra cost — and your premium is exactly the same whether you enroll through us or on your own.

What's the difference between ACA Marketplace and private health insurance?

ACA / Marketplace plans are government-regulated and may qualify you for income-based subsidies. Private (off-exchange) PPO plans often offer broader doctor and hospital networks and more flexibility. As an independent broker, we compare both and recommend what truly fits your needs and budget.

I'm self-employed or 1099 — what are my options?

Plenty. Self-employed Floridians can choose ACA Marketplace plans (often subsidy-eligible), private PPO plans for broader access, or supplemental coverage. We specialize in helping 1099 professionals and small business owners find affordable coverage.

Which states are you licensed in?

We're licensed in 31 states, with a primary focus on Florida. Our National Producer Number is NPN# 19189235.

How quickly can I get covered?

Often within days. New ACA policies typically take effect the 1st of the following month — we'll help you lock in the soonest start date and complete enrollment quickly and correctly.

Do you offer dental, vision, and life insurance too?

Yes. Beyond health insurance we offer dental, vision, supplemental (accident/critical illness), and life insurance — and we can bundle coverage tailored to you and your budget.

What does a health insurance broker do — and what does it cost?

A health insurance broker (also called a health insurance agent or advisor) is a licensed professional who compares plans from many carriers and helps you enroll in the one that fits your needs and budget. Working with an independent health insurance broker like Sobal costs you nothing — brokers are paid by the carriers, so your premium is identical whether you enroll through us or directly. You just get expert comparisons and a real person who answers the phone.

What's the difference between an independent broker and a captive agent?

A captive agent represents one insurance company and can only sell that carrier's plans. An independent health insurance broker (or independent health insurance advisor) is appointed with many carriers, so we shop 20-plus companies — private plans, ACA marketplace, and supplemental coverage — to find your best fit.

How do I find a licensed health insurance broker near me?

You can verify any broker's license on your state's Department of Insurance site using their National Producer Number (NPN). Sobal Nationwide Health is licensed in 31 states — so whether you're searching for a health insurance broker in Miami, Tampa, Orlando, Fort Lauderdale, or Boca Raton, or a licensed health insurance agent near you anywhere we're licensed, you can work with us by phone, video, or in person. Bernie's NPN is 19189235.

Can I talk to a real, licensed health insurance agent — not a call center?

Yes. You speak directly with a licensed advisor on our team, never an offshore call center or a robo-dialer. If you'd rather speak to a health insurance agent by phone, book a free 15-minute call and we'll walk through your options in plain English — no pressure.

I'm self-employed — can a broker help me find health insurance?

Self-employed health insurance is our specialty. As an independent broker we compare private medically-underwritten PPOs, ACA marketplace plans, and supplemental coverage, and most self-employed individuals can deduct up to 100% of their premiums.

What is a private health insurance broker, and are private plans better than the Marketplace?

A private health insurance broker can access medically-underwritten plans that never appear on the government Marketplace. For reasonably healthy people, a private plan can mean nationwide PPO access at a lower premium than an unsubsidized ACA plan.

Broker, agent, advisor, consultant, specialist — what's the difference?

They're largely the same role under different names. Whether you searched for a health insurance broker, agent, advisor, consultant, or specialist, you're looking for a licensed professional who compares plans and guides your enrollment.

Is a health insurance consultation really free?

Yes — every health insurance consultation with Sobal is free and no-obligation. Because brokers are paid by the carriers, there's never a fee to you.

Your Florida Health Insurance Broker, Tailored to Your Budget.

Request a Free Quote

Thank you — you’re all set!

Plans Built Around Your Life

Private Health Insurance

Small Business & Group

Dental & Vision

Supplemental Coverage

Coverage for 1099s

Policy Review & Switching

Health Insurance Built for the Self-Employed

Create a Plan Bundle That's Unique to You

Bernie Sobalvarro

Meet the Rest of Your Team

Eric Vasquez

Ayoub Cherif

What Our Clients Are Saying

Licensed in 31 States

Florida Health Insurance — Frequently Asked Questions

Ready for Coverage That Actually Works for You?