You are not charged a fee
Monica is compensated by the insurance carrier when a policy is issued, the same way any licensed broker is. Working with her does not add to your premium.
Enhanced premium tax credits expired at the end of 2025. If your premium jumped this year — or you stopped qualifying for help altogether — there are still paths worth reviewing. Monica Sotelo walks through them with you, one situation at a time.
No pressure. No unnecessary upselling. Just clear, personalized guidance.
Licensed insurance advisor · License #21375223 · Serving clients in 30 states
Before you give anyone your phone number, you should know what happens next.
Monica is compensated by the insurance carrier when a policy is issued, the same way any licensed broker is. Working with her does not add to your premium.
Your details go to Monica. They are not passed to a lead exchange, resold to other agencies, or handed to a call center. You will not start receiving calls from strangers because you filled out this form.
The first conversation is a review of your situation, not an application. If the timing is wrong or nothing on the table fits, saying so ends it. No follow-up sequence, no pressure to decide on the call.
Monica services the policies she writes. When you have a question next year, you call her — not a support queue that has never heard of you.
Licensed insurance advisor · License #21375223 · Licensed in 30 states.
The enhanced premium tax credits that lowered marketplace premiums from 2021 through 2025 expired on December 31, 2025. Credits reverted to their pre-2021 rules. Households earning above 400% of the federal poverty level lost eligibility for premium assistance entirely.
You are paying more for the same coverage. Worth reviewing: whether a different metal tier, network, or carrier serves the same doctors at a lower total cost once deductibles are counted.
Lower premiums usually mean higher deductibles. Worth reviewing: what you would actually owe in a bad year, and whether supplemental coverage closes that gap for less than the tier upgrade would cost.
You may still be able to enroll during open enrollment starting November 1, or sooner if you have a qualifying life event. Worth reviewing: which options exist at your income and in your state right now.
Eligibility, pricing, and plan availability vary by state, carrier, and personal circumstances. There is no single answer that fits every household — which is the reason to review yours specifically.
See Where You StandInsurance can feel confusing, expensive, and impersonal. Monica begins by listening. She helps clients understand their choices, evaluate the tradeoffs, and identify options that align with their needs, budget, providers, and long-term priorities.
Real-world examples of the professionals, families, businesses, and individuals Monica supports.
MMS Advisors supports individuals, families, self-employed professionals, and small businesses navigating important health-coverage decisions. The examples below represent common clients and situations Monica has assisted. They are not a complete list of the industries, professions, or circumstances she serves.
Independent professionals and small businesses with ten or fewer employees may find traditional group coverage difficult or expensive to maintain.
MMS Advisors helps evaluate available alternatives based on the business structure, number of employees, budget, and coverage priorities.
Clients may include professionals and businesses in industries such as:
Monica can also help small-business owners explore options for supporting employees when a traditional group plan may not be practical.
Explore Small-Business OptionsFamily coverage needs can change after marriage, divorce, the blending of households, employment changes, or changes in income. MMS Advisors helps families evaluate coverage arrangements that reflect the needs of each household member while remaining conscious of the family’s budget.
Common situations include:
Health-coverage needs often change during important personal or professional transitions. MMS Advisors helps individuals understand available options, reduce unnecessary gaps in coverage, and identify solutions that align with their circumstances and budget.
Common situations include:
Explore private and public coverage options based on eligibility, healthcare usage, provider preferences, budget, and personal priorities.
Discuss Your Options →Protect your oral health with plans that cover routine care, major procedures, and specialized treatments tailored to your needs.
Discuss Your Options →Ensure clear sight with comprehensive vision plans covering exams, glasses, and contact lenses with a network of quality providers.
Discuss Your Options →Protect your financial stability in the event of an unexpected short-term illness or injury that prevents you from working.
Discuss Your Options →Provide financial security and peace of mind for your loved ones with clear, straightforward term life coverage.
Discuss Your Options →Safeguard your earnings and maintain your lifestyle if you become unable to work due to a prolonged illness or injury.
Discuss Your Options →An ICHRA — Individual Coverage Health Reimbursement Arrangement — lets a business set a monthly amount it will reimburse, tax-free, toward each employee’s own individual health plan. Employees choose their own coverage. The employer’s cost is a number it sets, not a renewal it receives.
A QSEHRA works similarly for businesses with fewer than 50 employees, with contribution limits set annually by the IRS.
Most small businesses that adopt an ICHRA were offering no health benefit at all beforehand. It is often a first step into benefits rather than a replacement for a group plan.
An ICHRA is not the right answer for every business. Contribution rules, affordability calculations, and employee classes all have to be worked out before it makes sense. That review is the first step, not the paperwork.
Ask About ICHRA
Every recommendation begins with your needs, concerns, providers, budget, and expectations.
Understand the benefits, limitations, costs, networks, and approval process before making a decision.
Monica evaluates available options to identify potential efficiencies without sacrificing the client’s actual priorities.
Clients are not abandoned after enrollment. Monica remains available as a continuing point of contact.
"My responsibility does not end when a policy begins."
Share your current situation, primary concerns, preferred providers, budget priorities, and the type of protection you are considering.
Review available choices, costs, benefits, limitations, provider networks, and approval requirements.
Choose the option that best aligns with your circumstances and priorities.
After helping you confidently enroll, Monica remains your dedicated point of contact for any future questions or claims.
Monica Sotelo isn’t just a broker—she is an educator and an advocate. With a deep understanding of the insurance landscape, she knows that the wrong policy can be devastating financially and medically.
She built MMS Advisors on the principle that every client deserves transparency, ethical guidance, and an advisor who treats their coverage as if it were for her own family.
"Monica went above and beyond to educate me on my options. She didn't just push a plan; she really listened to what my family needed and found incredible value for us. Her continued support is unmatched."
— [Client Name Placeholder]
"As a self-employed professional, I was overwhelmed by the choices. Monica made the process so clear and calm. She's incredibly responsive, even months after my policy started."
— [Client Name Placeholder]
Coverage details depend on the specific plan chosen. We will explore your options based on eligibility, location, and needs.
Costs vary depending on personal circumstances, age, location, and the level of coverage selected. We will review options that align with your budget.
Yes, depending on your state and carrier availability, PPO options can be explored.
We will check provider networks to help you find a plan that includes your preferred doctors whenever possible.
The process depends on the type of insurance. Some plans require underwriting, while others are guaranteed issue. We will guide you through the specific requirements.
Absolutely. We specialize in finding tailored coverage for independent contractors and self-employed individuals.
Yes, we assist families in evaluating options that protect their loved ones while managing costs.
Yes, we explore alternatives to traditional group coverage, including flexible options like healthcare stipends.
Monica remains your ongoing point of contact to service your policy, answer questions, and assist with any changes.
We serve clients in multiple states. Please contact us to confirm availability in your specific location.
Final options depend on personal circumstances, eligibility, underwriting when applicable, location, carrier requirements, and plan availability.
Schedule a private consultation to discuss your needs, concerns, priorities, and available starting points.
Your information will be handled respectfully and confidentially.
This is not a quote and it does not check your eligibility. It points you to the right starting conversation — and saves you repeating your situation from scratch.
Who are you looking for coverage for?
Where does your coverage stand right now?
Which state do you live in?
Nothing here is an offer of coverage or a determination of eligibility. Plan availability, pricing, and approval depend on your state, carrier, and personal circumstances.
Monica reviews inquiries personally and replies by phone or email. Prefer to pick a time yourself? Book a call directly.
