Health Insurance Broker & Agent | Sobal Nationwide Health

Health Insurance Tailored to You & 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.

✦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).

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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.

Create a Plan Bundle That's Unique to You

Flexibility and reliability are the hallmarks of our portfolio. Mix and match coverage types to build protection that fits your life — not a one-size-fits-all package.

Health Dental Vision

Build My Plan →

Any doctor, any hospital — wide PPO access
24-hour coverage, on or off the job
Portable — coverage moves with you
Quality coverage for critical illness periods
Wellness & health screening benefits available
Dental, vision & supplemental add-ons

Bernie Sobalvarro, Founder & Owner of Sobal Nationwide Health

Founder & Owner▶ Watch intro

Meet Your Advisor

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 →

Or book a time on my calendar →

★ 5.0 Rating on Google

What Our Clients Are Saying

Real, verified Google reviews from people we’ve helped find the right coverage.

Examples reflect real client scenarios. Individual results, plan availability, and savings vary based on your situation, location, and eligibility.

Licensed & Serving Nationwide

Coverage Across 31 States

Wherever life takes you, your advisor goes too. Because your coverage is portable, it stays with you — across all 31 states where Bernie is licensed.

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NPN# 19189235 · Licensed Health Insurance Advisor

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 30+ 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.