Health Insurance Broker in Houston, TX

If you live in Houston and you want a licensed independent broker to compare health plans — without driving to a storefront — I can help. I am Bernie Sobalvarro, a licensed health insurance advisor (NPN 19189235). I am licensed in Texas and in Florida, plus 29 other states, and I work with adults ages 18–64: individuals, families, self-employed people, and small businesses.

Licensed in Texas, based in Florida

This should be said plainly. Sobal Nationwide Health’s office is at 8050 SW 10th St, Plantation, FL 33324. I do not have a Houston office. Houston-area clients work with me by phone and video, and I use the same licensed process I use with Florida clients: compare plans that are actually offered in your Texas zip code, check the providers you name, and complete enrollment with you.

HealthCare.gov’s agent and broker glossary says you will not pay anything additional if you enroll with an agent or broker. I am paid by the carrier, not by a separate fee from you. If you want a Marketplace premium tax credit, I enroll you through the Health Insurance Marketplace®.

Who I help in the Houston area

I work with people in Houston and nearby communities including Katy, Sugar Land, Pearland, The Woodlands, Cypress, and Pasadena. Many are in energy, construction, logistics, healthcare administration, or professional services — including contractors and 1099 consultants who do not get a group plan, and small owners deciding whether a group plan is worth setting up.

If you want Texas-specific background first, start with how to find health insurance in Texas. Household plan types are also outlined on the personal and family page, and owners can use the small business page.

Texas Medical Center and suburban networks

Houston’s care landscape is unusually dense. Clients often ask about hospitals in and around the Texas Medical Center — including Houston Methodist, Memorial Hermann, Texas Children’s Hospital, and MD Anderson Cancer Center — and about systems that serve the suburbs. A plan sold in Harris County may include some of those campuses and not others. The only reliable approach is to check your doctors and preferred facilities against the specific plan, before you enroll.

I will do that check with you. I will not say that “any doctor” or “any hospital” in Houston is covered, because that is not how networks work.

Marketplace plans in Texas

Texas uses HealthCare.gov, not a separate state exchange. Open Enrollment for 2027 coverage is November 1, 2026, through January 15, 2027. Enroll by December 15, 2026, for coverage that starts January 1, or by January 15 for a February 1 start, according to HealthCare.gov dates and deadlines.

Whether you qualify for a premium tax credit depends on household income and current federal rules. I will walk through eligibility with current information rather than quote an illustrative monthly premium as if it were your price. If you recently left a group plan, ask about a special enrollment window as well as Marketplace and private options.

How to start a Houston review

Have your zip code, a rough sense of household income, and the names of your main doctors or preferred hospital systems. We will use that to build a short comparison. If you also have family in Florida, I can often keep everyone under one advisor; I have local pages for Fort Lauderdale, Miami, and Orlando.

Frequently asked questions

You're in Florida. Can you help with a Houston or Texas plan?

Yes, if I am licensed in your state — and I am licensed in Texas. Reviews and enrollment are done by phone or video. Our physical office is in Plantation, Florida (8050 SW 10th St). I do not have a Houston office, and I will not pretend otherwise.

Does Texas use HealthCare.gov?

Yes. Texas is a HealthCare.gov state, like Florida. For 2027 coverage, Open Enrollment is November 1, 2026, through January 15, 2027, with a December 15 cutoff for a January 1 start, per HealthCare.gov.

Which Houston hospital systems come up most often?

Clients often ask about hospitals in and around the Texas Medical Center, including Houston Methodist, Memorial Hermann, Texas Children’s Hospital, and MD Anderson Cancer Center, as well as systems serving suburbs such as Katy, Sugar Land, The Woodlands, and Pearland. Network participation is plan-specific. I check your providers; I cannot promise a named hospital will be in-network.

I work in energy, construction, or as a contractor. What is different?

Many Houston-area clients are self-employed, on a 1099, between contracts, or employed by a small firm that does not offer a group plan. We compare Marketplace plans (and any premium tax credit you may qualify for under current rules) with private PPO options. I do not use unsourced premium examples as if they were your quote.

Is there a fee to work with you in Texas?

You should not pay an extra broker fee to enroll. HealthCare.gov says you will not pay anything additional if you enroll with an agent or broker. Marketplace savings still require Marketplace enrollment.

Do you sell Medicare plans in Houston?

No. Sobal Nationwide Health works with adults ages 18–64 only.

To schedule a Houston-area plan review, get my free quote. English and Spanish. No obligation to enroll. More general questions are on the FAQ page.

Sobal Nationwide Health works exclusively with people ages 18–64.