Find a Health Insurance Broker Who Works for You

To find a health insurance broker you can trust, look for someone who is licensed in your state, independent (able to quote more than one insurance company), clear about how they are paid, and still there after you enroll. That's how we work at Sobal Nationwide Health: a team of licensed brokers headquartered in Plantation, Florida, licensed in 31 states, with 285+ reviews on Google and Facebook.

Whether you searched "find a health insurance agent" or "health insurance brokers," this page explains what a broker actually does, how to choose one, and when it makes sense to work with us. We help people ages 18–64: the self-employed, families and small business owners who want strong private coverage, including PPO-style plans.

What a health insurance broker does

A health insurance broker is a licensed professional who helps you compare plans, choose one and enroll. A good broker will:

• Compare plans from several insurance companies side by side, so you can see premiums, deductibles and out-of-pocket limits in one place.
• Check your doctors, hospitals and prescriptions against each plan's network and drug list before you apply.
• Explain the trade-offs in plain English, such as a lower premium with a higher deductible, or a wider PPO network for a higher monthly cost.
• Handle the application and follow up until the policy is issued.
• Stay your point of contact for billing, claims questions and renewals.

"Agent" and "broker" are often used interchangeably. The difference that matters is whether the person represents one company or shops several. We explain it in insurance broker vs. agent.

How to find a health insurance agent or broker you can trust

1. Verify the license. Every state licenses health insurance producers. Look up any broker's National Producer Number (NPN) through NIPR's license lookup, or in Florida use the Florida Department of Financial Services licensee search. Bernie Sobalvarro's NPN is 19189235; you can see our states on our state licenses page.
2. Ask if they are independent. Ask how many insurance companies they can quote for your ZIP code. A broker who shops several carriers can show you real alternatives.
3. Ask how they are paid. Brokers are paid by the insurance companies, so your premium is the same whether you buy through a broker or direct. Working with us costs you nothing extra.
4. Read reviews from real clients. Look for reviews that mention service after the sale, not just the first call. Ours are on Google and Facebook.
5. Make sure they fit your situation. Ask whether they regularly help people like you: self-employed, a growing family, or a small business with a handful of employees.
6. Ask who you call after you enroll. A billing problem or a denied claim in March is when a broker earns their keep.

For a printable checklist, see questions to ask a health insurance broker before you sign.

Why work with an independent health insurance broker

Buying direct from one insurance company means you only see that company's plans. A captive agent can only show you one company's products. An independent broker can line up plans from multiple carriers and tell you honestly which one fits how you actually use care.

Here is what you get with Sobal Nationwide Health:

• Licensed in 31 states, headquartered at 8050 SW 10th St in Plantation, Florida.
• A real team of licensed advisors who work for you, not for a carrier. Meet the team.
• English and Spanish. Hablamos español.
• 285+ reviews on Google and Facebook from people we've helped.
• No extra cost to work with us, and no obligation to enroll.

We will also tell you when a plan is not a good fit. Private plans are often medically underwritten, which means approval and price can depend on your health history. We explain that up front so there are no surprises. Learn more about how a private health insurance broker works.

Who we help

We work only with adults ages 18–64 and their families. Most of our clients fit one of these groups:

• Self-employed and 1099 workers who don't have an employer plan. See self-employed health insurance in Florida and PPO health insurance for self-employed people.
• Families who want a wider network or are priced out of a spouse's employer plan. See personal and family coverage.
• Small business owners with roughly 2–30 employees who want to offer benefits. See business health insurance and small business health insurance in Florida.
• People between jobs comparing options to COBRA. See COBRA alternatives in Florida.

Health insurance brokers near you

Most of our work happens by phone or video, so you can work with us anywhere we are licensed. If you are in South Florida, we have local pages for a health insurance broker in Plantation, FL, a Fort Lauderdale health insurance broker and a Miami health insurance broker. In Texas, start with how to find affordable health insurance in Texas.

How it works

1. Tell us about you. Fill out the short form below. It takes about a minute.
2. We compare your options. A licensed advisor reviews plans available in your ZIP code and checks your doctors and prescriptions.
3. You choose. We walk you through the options side by side. If one fits, we handle the application. If none do, we'll tell you.

Prefer to talk first? Call (305) 680-0125.

Frequently asked questions

Does it cost more to use a health insurance broker?

No. Brokers are paid by the insurance companies, so your premium is the same whether you buy through us or directly from the carrier. There is no fee to work with Sobal Nationwide Health and no obligation to enroll.

What is the difference between a health insurance agent and a broker?

People use the terms interchangeably. A captive agent usually represents one insurance company, while an independent broker can compare plans from several companies. We are independent. More detail is in our broker vs. agent guide.

How do I verify a health insurance broker's license?

Search the broker's name or National Producer Number (NPN) in NIPR's license lookup. In Florida you can also use the Florida DFS licensee search. Bernie Sobalvarro's NPN is 19189235.

Can a broker help if I'm self-employed or own a small business?

Yes. Self-employed people, families and small business owners with roughly 2–30 employees are most of the people we help. We compare individual and small-group options and explain the trade-offs. See self-employed health insurance in Florida and business health insurance.

Do you work with people outside Florida?

Yes. We are headquartered in Plantation, Florida, and licensed in 31 states, including Texas. Most reviews and enrollments happen by phone or video. See our state licenses.

What ages do you work with?

We work exclusively with adults ages 18–64 and their families. We don't offer Medicare or Medicaid.

Sobal Nationwide Health works exclusively with people ages 18–64. We don't offer Medicare or Medicaid. We are an independent agency, not an insurance carrier. Plan availability, networks and benefits vary by state and carrier.