Nevada Health Insurance Broker & Agent: Compare Private Plans
November 14, 2026 · by Bernie Sobalvarro
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Led by Bernie Sobalvarro, Senior Advisor, with his team of licensed agents
Looking for a Nevada health insurance broker or agent who compares the whole picture, not just one carrier? I am Bernie Sobalvarro, an independent health insurance advisor and licensed broker (NPN 19189235), licensed in Nevada and 30 other states. By phone or webinar screen share, I compare full-price ACA plans with private, medically underwritten and off-exchange options for people in Las Vegas, Henderson, Reno and Carson City. I represent you, not an insurer.
Many Nevadans reach me after shopping for a plan, learning they earn too much for a subsidy, and finding the full price higher than they wanted. If you are healthy, you may qualify for private, medically underwritten or off-exchange coverage, and I compare it with the full-price plan you saw. I mostly help self-employed people, 1099 contractors, gig and commission earners, families and small business owners. You can check my Nevada license on the NIPR license lookup or on our state licenses page.
Who our licensed agents help in Nevada
Six kinds of Nevada households make up most calls to our brokers. We do not sell Medicare or Medicaid plans, and most of these clients are comparing private underwritten coverage with an unsubsidized ACA plan.
- Turning 26
Your first plan of your own
About to turn 26 around Reno? Young, healthy applicants are often a good fit for private underwritten plans, and we show the full-price ACA plan beside them so the choice is clear.
- High earners
Priced a plan, got no subsidy
Already looked up coverage and saw no premium help? That is where many Nevada clients start. Healthy applicants can compare underwritten private coverage with the full-price option before deciding.
- Self-employed & 1099
Working for yourself
Working for yourself in Reno or anywhere in Nevada? We check networks for the doctors you use, deductibles and premiums across private and full-price plans.
- Leaving a job / COBRA
Leaving COBRA or a job plan
Left a job or got a COBRA notice? COBRA keeps your old plan, but you may pay the full premium plus a fee (U.S. Department of Labor). We compare it with private underwritten and full-price plans before your deadline.
- Families
Priced out of the family plan at work
Your job covers you, but adding a spouse and children costs a lot. We compare the employer family premium with private and full-price individual plans for the rest of the family.
- Small business 2–30
Growing Nevada companies
Hiring your second or your twentieth employee? Businesses with 2–30 people can compare a group plan with individual private plans, and we handle the comparison by phone or webinar screen share.
Whichever applies, you get a written comparison and no pressure to choose on the call.
Self-employed health insurance in Nevada: who I help
If you searched for a health insurance broker in Las Vegas or Reno, this is who I help: hospitality and entertainment professionals and owners in Las Vegas, Henderson and Summerlin, contractors and tech or logistics workers in Reno and Sparks, and self-employed families in Carson City and Elko. I help anywhere in Nevada by phone or webinar screen share.
Small businesses are 99.3 percent of Nevada businesses and employ 578,767 people, or 45.0 percent of Nevada employees; 294,529 of the state’s 353,621 small businesses have no paid employees (SBA Office of Advocacy, 2025 profile). Ask your tax professional whether self-employed premiums are deductible in your situation. This is general information, not tax advice.
For 2027 coverage, Nevada uses Nevada Health Link as its marketplace (KFF, 2027 marketplace types). If you have already checked there, the next question is what the marketplace does not list: private, medically underwritten plans. Agents selling health insurance in Nevada are licensed by the Nevada Division of Insurance.
Private health insurance in Nevada: underwritten and off-exchange plans
When people in Nevada say “off-exchange,” they mean a plan bought straight from an insurer or through a broker, not through the state exchange. Some off-exchange plans are ACA-compliant; others are different kinds of coverage with their own rules. Federal premium help only applies to exchange plans (KFF).
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). For a healthy Nevada contractor or commission earner, that trade-off is worth pricing. Some private plans use PPO-style networks; what is available depends on your county and the plan.
Full-price plan too expensive? How a Nevada health insurance broker compares your options
For Nevada clients, I compare a full-price ACA plan with private and off-exchange options on one page: whether your doctors and hospitals in Las Vegas, Henderson or Reno are in network, the deductible and out-of-pocket limit, covered services and exclusions, pre-existing condition terms, renewal and the monthly price. I will not promise “any doctor”; we check each provider against each plan.
I would rather lose a sale than put you in the wrong plan. Underwritten plans can decline you or exclude a condition, and ACA plans cannot. If your answers to the health questions are likely to cause a problem, we look harder at the full-price ACA option.
Applying outside open enrollment
Missed open enrollment? That window and special enrollment periods govern ACA individual-market plans, including those bought off-exchange (45 CFR 147.104). Medically underwritten plans outside the ACA individual market are generally not bound to those dates, so mid-year applications are usually possible, subject to the plan’s own rules. We check before anything is submitted.
Small business health insurance in Nevada
Own a Nevada business with a small team? We can weigh a small group plan against individual private coverage for you and your employees. The small business page explains how that review works.
Talk with a Nevada health insurance agent
Have your zip code and the birthdates for everyone on the plan. From there it is a 15-minute conversation by phone or webinar screen share and a written side-by-side I send right after. There is no obligation, and we can do it all in Spanish if you prefer. 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
Are you a licensed health insurance agent in Nevada?
Yes. I am licensed in Nevada as a health insurance agent and broker, NPN 19189235. I am based in Florida and work with Nevada clients by phone or webinar screen share, from Las Vegas to Reno. You can verify my license on the NIPR lookup.
I priced a full-price plan and it was too expensive. What are my private options in Nevada?
Often, yes. In good health, you may be able to get a private, medically underwritten plan priced on your own application rather than the full-price ACA rate. The insurer can decline you or exclude conditions (Georgetown CHIR), so I show it next to the plan you priced and you choose.
What is off exchange health insurance in Nevada?
A policy purchased without going through the exchange. Some off-exchange plans meet ACA rules and some are other kinds of coverage; either way, federal premium help is limited to exchange plans (KFF).
Can I get private health insurance in Nevada outside open enrollment?
For medically underwritten plans that are not ACA individual-market coverage, usually yes. ACA plans, on or off the exchange, follow open and special enrollment periods. We confirm the rules for the specific plan before you apply.
What self-employed health insurance options are available in Nevada?
There is no single best plan. A healthy self-employed Nevadan who earns too much for subsidies may want to compare private underwritten and off-exchange options; if your health could affect approval, a full-price ACA plan may be the better fit. I compare them side by side.
Does it cost more to use a health insurance broker?
No fee to you. Brokers are paid by the carrier, and your premium does not change because you used one.
I’m 25 and on a parent’s plan in Nevada. What should I do before 26?
You can usually stay on a parent’s plan until 26, though the end date and some state rules vary by plan (HealthCare.gov). When it ends, a full-price ACA plan accepts everyone, while a private underwritten plan asks health questions and is not guaranteed. Starting a few weeks early leaves time to compare.
I got a COBRA notice. What else can I compare in Nevada?
No. COBRA lets you keep your employer’s group plan for a limited time, but you may pay the entire premium, up to 102% of the plan’s cost (U.S. Department of Labor). Losing job-based coverage is also generally a qualifying event for ACA plans, and healthy applicants can price private, medically underwritten plans. We compare all three before your election deadline.
Do you sell Medicare plans in Nevada?
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
