Health Insurance That Works For You.
Not the Other Way Around.

Licensed in 31 states and headquartered in Plantation, Florida. Tailored coverage for self-employed individuals, families, and small businesses — wherever you call home.

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Sound Familiar?

Shopping for Coverage Alone Is Broken

If the process has left you frustrated, you are not imagining it.

You search online…

…and your phone never stops ringing with call-center spam. Your number got sold the second you hit enter.

You check the Marketplace…

…and without a subsidy, the sticker price makes you close the laptop. There has to be something better.

You finally pick a plan…

…and discover the deductible is so high you are effectively paying twice — once monthly, again when you actually need care.

The Little-Known Fact That Started This Company

Some of the best-value plans for healthy people are private plans you will never see on the Marketplace.

Discovering that fact is why Bernie got licensed in the first place. If you are reasonably healthy, a medically underwritten private plan can mean nationwide PPO access at a meaningfully lower premium — and almost nobody tells you it exists.

See If You Qualify →
Simple Process

Apply for Coverage in 3 Simple Steps

No jargon, no pressure. A quick conversation gets you a plan personalized to your needs and budget.

01

Call or Fill Out the Form

Reach out by phone or send the quick form — it takes under two minutes.

02

Talk With Bernie

We learn your situation, then personalize a plan around your needs and budget — with full explanations.

03

Apply & Get Covered

We handle the paperwork. You walk away covered, confident, and clear on exactly what you signed up for.

Coverage Options

Create a Bundle That's Unique to You

Flexibility and reliability are the hallmarks of our portfolio — health, dental, and vision built around your life.

Personal & Family Insurance

Any doctor, any hospital. Portable 24-hour coverage that isn't tied to your job — with wellness and critical-illness benefits available.

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Business Insurance

Flexible plan designs for small businesses and the self-employed — coverage your team needs at a premium you can afford.

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Policy Review for Existing Members

Already covered? Let's make sure your current plan still fits your life and budget — a free, no-pressure review.

Schedule Review →
Why Sobal

How We Are Different

  • Industry innovator with over 50 collective years of insurance experience
  • Flexible plan designs — the coverage you need at a premium you can afford
  • Freedom to choose providers in or out of local and national PPO networks
  • Portable coverage — not tied to your job, moves with you
  • Add supplemental benefits: Dental, Vision, Accidental Injury, Critical Illness & Disability Income

Clients I Frequently Work With

Whatever your health insurance search looks like, I can help.

Small Business Owners Realtors Truckers Traveling Medical Professionals Individuals & Families Fitness Professionals Financial Advisors Independent Contractors Mechanics Massage Therapists Teachers Hairdressers IT Professionals Chiropractors Entrepreneurs
Free & No Obligation

See If You Qualify

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.

Bernie Sobalvarro
Hi, I'm Bernie
Your licensed advisor · Hablamos Español

Where do we send your quote?

Bernie will personally reach out — usually same day.

Bernie Sobalvarro, founder of Sobal Nationwide Health
Meet Your Advisor

Bernie Sobalvarro

After discovering a little-known fact about health insurance — and realizing how many people had the same coverage problem I did — I got licensed to help others solve it. My company took off, and now look where we are.

My team and I take an instructional approach: based on your unique needs and budget, we find the finest answer at a fraction of what most other programs online offer. Our clients fully understand the plans they sign up for, so they feel at ease and secure going forward.

Licensed in 31 States Health • Dental • Vision Education-First Approach
Book a Call With Bernie ↗
What Clients Say

Real Reviews From Real Clients

Live, verified Google reviews — pulled in automatically from your Google Business Profile.

How we saved a client $400 a month on health insurance

60 seconds: how we saved a client $400/mo

Resource Guide

Latest News & Blogs

Explore More →
June 13, 2026

HMO vs. PPO vs. Other Plan Types: Which Is Right for You?

HMO, PPO, EPO or POS? A plain-English guide to picking the right Florida plan.

Read More →
June 13, 2026

How Much Does Individual Health Insurance Cost in Florida?

Real 2026 monthly ranges, what drives your price, and how to pay less.

Read More →
June 13, 2026

Leaving Your Job in Florida? COBRA Alternatives That Cost Less

COBRA keeps your plan but you pay the full price. Cheaper ways to stay covered after losing a job.

Read More →
June 13, 2026

7 Ways Business Health Insurance Benefits Florida Employers

Seven concrete ways group coverage helps Florida employers attract talent, cut taxes, and keep their team.

Read More →
June 13, 2026

How to Compare Health Insurance Plans for Small Businesses in Florida

Networks, deductibles, costs — the six factors that actually decide the right small business health plan.

Read More →
June 10, 2026

Self-Employed Health Insurance in Florida: 7 Options Every 1099 Worker Should Know

Compare 7 coverage options for 1099 workers — including private plans you won't find on the Marketplace — plus the tax deduction most miss.

Read More →
July 22, 2024

How Much Does a Family Health Insurance Plan Cost

When considering the cost of a family health insurance plan, especially in Florida, several factors come into play.

Read More →
July 15, 2024

What to Look for in a Small Business Health Insurance Plan in Florida

Small businesses in Florida face unique challenges when it comes to providing health insurance for their employees.

Read More →
Quick Answers

Questions Everyone Asks First

What does working with Bernie cost?+

Zero. Brokers are paid by the carriers — your premium is identical whether you buy through me or direct. You just 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's my specialty: private PPOs, ACA marketplace, and supplemental coverage — plus self-employed individuals can typically deduct up to 100% of premiums.

All FAQs + Cost Calculators →

Ready to Feel Confident About Your Coverage?

Call, book, or send the form — Bernie personally answers.
(305) 900-5903 · 8050 SW 10th St, Plantation, FL 33324

Get a Quote → Call Now ↗