So, if you notice that something like this appears on your nails, then you should see a doctor immediately. White spots on the nails may indicate on warts and fungus (onychomycosis) or psoriasis and eczema, which can affect the nails as well. These small white spots on your nails, can also be one of the seven warning signs of sarcoidosis – disease which affects the skin, lungs and other organs. And when the nail is soft and has white specks, it is a condition known as Plummer nail. Well, you should know that this might indicate that you have problems with your thyroid gland – hypothyroidism. If the line is lower on the nail it means the disease is discovered at early stages.