Georgia Health Insurance Broker & Agent: Compare Private Plans
November 14, 2026 · by Bernie Sobalvarro
285+ reviews on Google and Facebook
Led by Bernie Sobalvarro, Senior Advisor, with his team of licensed agents
If you want a Georgia health insurance broker or agent you can speak with directly, I am Bernie Sobalvarro, an independent advisor and licensed broker (NPN 19189235). My Georgia license is one of 31, and I work by phone or webinar screen share with clients from metro Atlanta and Alpharetta to Savannah, Augusta and Macon, putting full-price ACA plans beside private, medically underwritten and off-exchange options. I represent you, not a carrier.
A lot of Georgians reach me after shopping the marketplace: no subsidy at their income, and a full-price plan that cost more than they expected. If you are healthy, you may qualify for private, medically underwritten coverage, and I lay it beside that full-price plan. I mostly work with self-employed people, 1099 contractors, commission earners, families and owners of small companies. My Georgia license is listed on the NIPR license lookup and on our state licenses page.
Who our brokers help in Georgia: find your situation
These are the six situations our brokers see most from Georgia. We do not sell Medicare or Medicaid plans. If you are in good health, private underwritten coverage is usually worth pricing beside a full-price plan.
- Turning 26
Off Mom or Dad’s plan
Aging off a parent’s plan? Whether you start a job without benefits or work for yourself, we compare private underwritten coverage with full-price plans by phone or webinar screen share.
- High earners
Paying full price for coverage
With no subsidy you pay every dollar of the premium, so plan design matters more. We line up private underwritten plans and full-price ACA plans on deductibles, networks and cost.
- Self-employed & 1099
Paid on a 1099
Paid on a 1099 or running your own practice? You choose your own coverage, so we compare private underwritten plans and full-price ACA plans for you and anyone else on the policy.
- Leaving a job / COBRA
COBRA too expensive
If your job-based coverage is ending, timing matters. We look at COBRA, private underwritten plans and full-price plans, and at when each one could start.
- Families
Spouse and kids cost too much to add
Priced out of the family tier at work? Some Georgia households keep the employee on the job plan and look at separate coverage for a spouse and kids. We run the numbers both ways.
- Small business 2–30
Owners with a small team
For Georgia employers with 2 to 30 people, we look at group coverage and at individual plans so the owner can weigh cost, simplicity and what staff actually use.
Situations overlap: a business owner leaving COBRA, a family with a 26-year-old. We build one comparison around all of it.
Self-employed health insurance in Georgia: who I help
I work with Georgians who buy their own coverage, including business owners and consultants in metro Atlanta (Alpharetta, Marietta, Sandy Springs and the northern suburbs), self-employed tradespeople and 1099 contractors, sales professionals on commission, and families in Savannah, Augusta, Athens and Macon. I help anywhere in Georgia by phone or webinar screen share.
Small businesses are 99.7 percent of Georgia businesses and employ about 1.8 million people, or 42.5 percent of Georgia employees; 1,175,541 of the state’s 1,374,972 small businesses have no paid employees (SBA Office of Advocacy, 2025 profile). Deductibility of premiums for the self-employed depends on your situation, so check with a tax professional; this is not tax advice.
Georgia uses Georgia Access as its marketplace for 2027 coverage (KFF, 2027 marketplace types). If that is where you priced a plan, we can use it as your starting point. ACA plans are also sold off-exchange at full price, and private underwritten options sit outside the marketplace entirely. Insurers and agents in Georgia are regulated by the Georgia Office of the Commissioner of Insurance and Safety Fire.
Private health insurance in Georgia: underwritten and off-exchange plans
Off-exchange coverage is bought directly from an insurer or through a broker rather than through the state exchange. It can be an ACA-compliant plan or a type of coverage that follows different rules, and federal premium help is not available outside the exchange (KFF). For Georgia households that would not get meaningful premium help anyway, that last point matters less.
Medically underwritten plans ask health questions before they approve you. The insurer uses the answers to decide whether to offer coverage and on what terms, so approval is not guaranteed; these plans may limit pre-existing conditions and do not include every ACA protection (Georgetown CHIR). Healthy Georgians often find that trade-off worth a look. Network types vary; some private plans use PPO-style networks, depending on the county and the plan.
Full-price plan too expensive? How a Georgia health insurance broker compares your options
Georgia households usually ask me one thing: does the full-price ACA plan or a private plan give us more for the money? We build the comparison together: whether your doctors and hospitals in metro Atlanta, Savannah or Augusta are in network, the deductible and out-of-pocket maximum, covered services and exclusions, the pre-existing condition terms, how renewal works, and the monthly premium. I never promise that “any doctor” is covered; every provider gets checked against the specific plan.
An ACA plan cannot turn you down or charge you more because of your health; an underwritten plan can. If something in your health history could affect approval, a full-price ACA plan may be the better fit, and I will say so plainly.
Applying outside open enrollment
ACA individual-market plans, on or off the exchange, can only be bought during open enrollment or a special enrollment period (45 CFR 147.104). Medically underwritten plans that are not ACA individual-market coverage generally are not limited to that window, so applying at other times of the year is usually possible. We check availability and start dates for the specific plan and state before you apply.
Small business health insurance in Georgia
If you have a few employees, we can compare a small group plan with individual private coverage for owners and staff. Start with our small business health insurance in Georgia guide and the small business page.
Talk with a Georgia health insurance agent
Have your zip code and the birthdates for everyone on the plan. We talk for about 15 minutes by phone or webinar screen share, then I send a short side-by-side comparison. English or Spanish, and no obligation to apply. Family in another state? I am licensed in 31 states, including Florida and Texas; there is also our Florida guide and Houston page. The full list is on our state licenses page.
Frequently asked questions
How can I check your Georgia health insurance agent license?
Yes. I hold a Georgia license as a health insurance agent and broker (NPN 19189235). I am based in Florida and serve Georgia clients by phone or webinar screen share, from Atlanta to Savannah. You can verify it on the NIPR lookup.
Can a healthy Georgian compare private options after pricing a full-price plan?
If you are healthy, you may qualify for a private, medically underwritten plan. The insurer asks health questions and decides approval, terms and price, so nothing is guaranteed and pre-existing conditions may be limited or excluded, per Georgetown CHIR. I compare those options side by side with the full-price plan you already saw.
Can an off-exchange Georgia policy still follow ACA rules?
It is coverage bought outside the state exchange, either from the insurer or through a broker like me. It can be ACA-compliant or a different type of plan with its own rules, and federal premium help only applies on the exchange (KFF).
Can I get private health insurance in Georgia outside open enrollment?
Often, yes. Underwritten plans that are not ACA individual-market coverage generally take applications through the year, while ACA plans on or off the exchange keep to open and special enrollment. We confirm before you apply.
Do you compare full-price ACA plans for self-employed people in Georgia?
Yes. For a self-employed Georgian, I lay a full-price ACA plan and a private underwritten plan out together: network, deductible, out-of-pocket limit, exclusions, pre-existing condition rules and monthly cost. An ACA plan cannot turn you down for health reasons; an underwritten plan can.
Will a Georgia insurance quote cost more through your team?
No. I am paid by the insurance company, not by a fee from you, and your premium is the same either way.
I’m 25 and on a parent’s plan in Georgia. What should I do before 26?
Turning 26 generally ends dependent coverage; check the exact end date with the parent’s plan (HealthCare.gov). Loss of that coverage is usually a qualifying life event for ACA plans (HealthCare.gov). Healthy young adults in Georgia can also price private underwritten coverage, and we lay out the trade-offs side by side.
Should I take COBRA or look at other plans in Georgia?
You can compare COBRA with a full-price ACA plan and, if your health is good, a private underwritten plan. Under COBRA you may pay the whole premium plus up to 2% (U.S. Department of Labor). Losing job coverage generally opens an enrollment window for ACA plans (HealthCare.gov), so we look at start dates too.
Do you sell Medicare plans in Georgia?
No. We do not sell Medicare or Medicaid plans.
Want to talk with a licensed advisor about private or full-price plans? Get a Quote. Hablamos Español. More general questions are on the FAQ page.
Sobal Nationwide Health does not sell Medicare or Medicaid plans.
Licensed Health Insurance Advisor · NPN 19189235 · Licensed in 31 states · Hablamos Español
