High earnersI earn too much for subsidies
Above the ACA subsidy limits and paying full price? Compare private PPO and off-exchange options on real yearly cost.
No-subsidy health insurance: options & real costs→
// For ages 18–64 · Self-employed · Families · Small business
Health Insurance That Works For You. Not the Other Way Around.
Licensed in 31 states and headquartered in Plantation, Florida. One licensed advisor compares private, Marketplace and small-business plans side by side, in English or Spanish, at no cost to you.
Or call (305) 680-0125 · Hablamos Español// Welcome, we're glad you're here
See what you qualify for.
Free quote in about 60 seconds · Hablamos Español
Tell us who needs coverage, your state and any recent life change. A licensed advisor comes back with private, Marketplace and small-business options side by side, usually the same day.
- Free, no obligation, no spam calls
- Private PPO and Marketplace plans compared together
- English or Spanish, with one advisor start to finish
Friendly, licensed advisorsReal people who answer the phone · English & Español
Rather talk first? Book a free 15-min review or call (305) 680-0125.
Licensed in 31 states · Ages 18–64≈ 60 sec
For adults ages 18–64 in our 31 licensed states.
Who needs coverage?
Select the option that best describes you.
Which state are you in?
We're licensed in 31 states nationwide.
Did any of these happen in the last 60 days?
Life events can unlock special enrollment — meaning you may not have to wait for open enrollment at all.
Hi, I'm Bernie
Your licensed advisor · Hablamos Español
Your licensed advisor · Hablamos Español
Where do we send your quote?
Bernie will personally reach out — usually same day.
Your phone and name are saved as you type in a separate unfinished-record list. Typing alone does not authorize calls or texts.
// Find your situation
Which one sounds like you?
Most people we help fit one of these six situations. Pick yours for a plain-English guide, then get a free quote from a licensed broker.
High earners
Self-employed & 1099I'm self-employed or 1099
Freelancers, contractors, LLC owners, realtors and truckers: coverage that fits uneven income, plus the tax deduction.
1099 contractor health insurance→
Small business 2–30I run a small business (2–30)
Group plans, level-funded options and ICHRA, plus the small business tax credit that can cover up to 50% of premiums.
Small business health insurance cost & tax credit→
Leaving a job / COBRAI'm leaving a job or COBRA
COBRA is often the most expensive choice. Losing job-based coverage opens a 60-day window to pick something better.
Lost your job? COBRA vs Marketplace within 60 days→
FamiliesAdding my family to my spouse's plan costs too much
When employer family coverage is priced out of reach, a separate family plan can cost less for the same doctors.
Family health insurance options→
Turning 26I'm turning 26
Coming off a parent's plan? You have 60 days to choose your own coverage without waiting for open enrollment.
Turning 26: get your own health insurance→
Bernie SobalvarroFounder · NPN 19189235
// Meet Bernie
Hi, I'm Bernie. Welcome.
I'm really glad you're here. I became a licensed broker after seeing how many good private plans never show up on the Marketplace, and how many families end up overpaying because nobody walked them through their options.
My team and I take the time to explain everything in plain English or Spanish, compare your options side by side, and stay with you after you enroll. No pressure, and it costs you nothing to talk with us.
Bernie Sobalvarro · Founder, Sobal Nationwide Health · Hablamos Español
// The honest comparison
Three ways to get covered. One fits you best.
Some of the best-value plans for healthy people are private plans you won't see on the Marketplace. Here's how they stack up, including the trade-offs.
| ACA Marketplace | Private medically underwritten Our specialty | COBRA | |
|---|---|---|---|
| Best for | Pre-existing conditions, or income in the subsidy range | Reasonably healthy people who earn too much for subsidies | Short gaps when you must keep the exact same plan |
| Health questions | None. Acceptance is guaranteed | Yes. Approval and price depend on your health history | None |
| Networks | Often local HMO/EPO networks | Nationwide PPO networks available | Same network as your old job plan |
| When you can enroll | Open enrollment or a qualifying life event | Year-round | Within 60 days of losing job coverage |
| Watch out for | Full price above the subsidy cutoff | Pre-existing conditions may be excluded or limited | You pay the full premium plus up to 2% |
// How it works
Three steps. Fifteen minutes to start.
- 01
Book or call
Pick a time that works or call (305) 680-0125. No call-center handoffs and no spam.
- 02
Compare side by side
We line up private, Marketplace and small-business options on real yearly cost, doctors and prescriptions.
- 03
Apply and get covered
You choose. We handle the application and stay your advisor after you enroll.
// Free tool
Do I earn too much for a subsidy?
A quick estimate for 2027 coverage using the 400% poverty-guideline cutoff. No email required.
// Meet your advisors
Real people. Licensed and local.
Every advisor is licensed and works for you, not a carrier. Brokers are paid by the carriers, so your premium is the same either way.
7Licensed advisors
31States licensed
5Languages spoken
$0Cost to work with us
Bernie SobalvarroFounder & Licensed Health Insurance BrokerEnglish · Español
Founder of Sobal Nationwide Health. Bernie got licensed after seeing how many strong private plans never reach the Marketplace, now he leads a team that puts education before the sale.
NPN 19189235Book a 15-min call →Eric VasquezLicensed Health Insurance BrokerEnglish · Español
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 →Ayoub CherifLicensed Health Insurance BrokerEnglish · Arabic · French
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 →Kevin LimaLicensed Health Insurance BrokerEnglish · Español
Kevin helps individuals and families cut through the noise and find coverage that actually fits. He gives clear options and straight answers, with no pressure to decide today.
NPN 22263847Book a 15-min call →
Mark YacoobLicensed Health Insurance BrokerEnglish
Mark believes in educating first, walking you through your options step by step so you land on a plan that fits your budget, your doctors, and your life.
NPN 19438278Book a 15-min call →
Kevin McCarthyLicensed Health Insurance BrokerEnglish
A licensed broker who takes the time to understand each situation, Kevin helps individuals and families find dependable coverage that fits their needs and budget, no pressure, just clear guidance.
NPN 14158956Book a 15-min call →Arianna SoasLicensed Health Insurance BrokerEnglish · Patois
A licensed broker fluent in English and Patois, Arianna helps individuals and families find coverage that fits their needs and budget, with clear answers at every step.
NPN 21771121Book a 15-min call →// Reviews
Rated 4.9★ by our clients
Read what clients say on Google and Facebook. Reviews load below.
// Where we're licensed
Licensed in 31 states.
Headquartered in Plantation, Florida. Highlighted states have a dedicated guide; state pages for the rest are next on the roadmap.
// Resource Guide
All 83 guides →Latest guides
Guide
COBRA Alternatives in Texas: Options When You Leave a Job
Lost job coverage in Texas? Compare COBRA, Texas continuation, Marketplace and private PPO plans, with deadlines and costs explained plainly.
Nov 7, 2026
Guide
Private Health Insurance for High Earners in Florida
Earning too much for ACA subsidies in Florida? Compare private PPO plans with Marketplace coverage, learn the trade-offs, and see how to choose with…
Nov 6, 2026
Guide
Private PPO vs Marketplace in Florida for Self-Employed
Healthy and self-employed in Florida? See how a private medically underwritten PPO compares with an ACA Marketplace plan on cost, doctors, and…
Nov 5, 2026
Guide
Questions to Ask a Health Insurance Broker Before You Sign
Meeting a health insurance broker? Here are the questions to ask about licensing, pay, carriers, networks, costs and support, plus how brokers differ…
Nov 4, 2026
Guide
Employer Contribution to Health Insurance: What’s Typical
What employers typically pay toward health insurance in 2026, what the law requires, and how to set a contribution that fits a small business budget.
Nov 3, 2026
Guide
PPO Health Insurance for Self-Employed People: A Practical Guide
How PPO coverage works when you have no employer: Marketplace vs private plans, what drives cost, the tax deduction, and what to check before you…
Nov 2, 2026// Quick answers
Questions everyone asks first
Straight answers about cost, timing and who we work with.
All FAQs →What does working with Bernie cost?
Zero. Brokers are paid by the carriers, so your premium is identical whether you buy through us or direct. You get expert comparisons and a human who answers the phone.
I missed open enrollment. Am I stuck?
Probably not. Many private medically underwritten plans can be applied for year-round, and qualifying life events open special enrollment windows. Call before you assume.
I'm self-employed. What are my options?
That is our specialty: private PPOs, ACA Marketplace plans and supplemental coverage. Self-employed people can often deduct their premiums, too.
Who do you work with?
We work exclusively with people ages 18–64: the self-employed, families, small businesses with 2–30 employees, high earners, people leaving COBRA and young adults turning 26.
// Get startedWe'd love to help you and your family · Hablamos Español
Ready to feel confident about your coverage?
Book, call or send the form. Bernie and the team answer personally.
Free · about 15 minutes · no obligation · ages 18–64