Your premium went up and you kept the plan
You’re paying more for the same coverage. Worth reviewing: whether a different metal tier, network, or carrier could cover the same doctors at a lower total cost once deductibles are factored in.
Personalized Insurance Advisory
Health Coverage That Fits Your Life—
Not the Crowd.
MMS Advisors helps individuals, families, self-employed professionals, and small businesses understand their insurance options and select coverage based on their real needs—not a one-size-fits-all formula.
No pressure. No unnecessary upselling. Just clear, personalized guidance.
Finding Coverage For You.. Not The Crowd
Finding Coverage For You.. Not The Crowd
Insurance Should Fit Your Life—
Not Force You Into a Template.
Insurance 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.
You deserve an advisor who stays after the application is submitted.
Who MMS Advisors Helps:
Real-world examples of the individuals, families, professionals, and businesses Monica supports.
Health coverage decisions can look very different from one person or business to another. The examples below highlight common clients and situations Monica has helped navigate, but they are not a complete list of the industries, professions, or circumstances she serves.
Small Businesses & Self Employed Professions
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:
- Event planning
- Real estate
- Landscaping
- Construction
- Travel nursing and therapy
- Trucking and transportation
- Solar services
- Independent medical practices
- Tax preparation
- CPAs and accounting firms
- Mom-and-pop shops
- Nail salons and hair salons
- And many other small businesses
Monica can also help small-business owners explore options for supporting employees when a traditional group plan may not be practical.
Explore Small-Business OptionsFamilies
MMS Advisors helps families evaluate coverage options that reflect the needs of each household member while remaining mindful of the family’s budget.
Common situations include:
- Married, divorced, or blended families
- Families changing employer-sponsored coverage
- Households that do not qualify for premium subsidies
- Families needing different coverage arrangements for different members
- Healthy families seeking protection from major, unexpected medical expenses
- Families looking for more affordable coverage alternatives
Individuals
MMS Advisors helps individuals understand available options, reduce unnecessary coverage gaps, and identify solutions that align with their circumstances and budget.
Common situations include:
- Preparing for retirement
- Aging out of a parent’s health plan
- Changing employers
- Becoming self-employed
- Moving to another state
- Experiencing a temporary gap in coverage
- Feeling dissatisfied with a current plan
- Looking for potential savings on a limited budget.
Coverage Options
⚕️
Health and Medical Coverage
Explore private and public coverage options based on eligibility, healthcare usage, provider preferences, budget, and personal priorities.
Discuss Your Options →🦷
Dental Coverage
Protect your oral health with plans that cover routine care, major procedures, and specialized treatments tailored to your needs.
Discuss Your Options →👁️
Vision Coverage
Ensure clear sight with comprehensive vision plans covering exams, glasses, and contact lenses with a network of quality providers.
Discuss Your Options →⏱️
Short-Term Disability
Protect your financial stability in the event of an unexpected short-term illness or injury that prevents you from working.
Discuss Your Options →🛡️
Term Life Insurance
Provide financial security and peace of mind for your loved ones with clear, straightforward term life coverage.
Discuss Your Options →💰
Income Protection
Safeguard your earnings and maintain your lifestyle if you become unable to work due to a prolonged illness or injury.
Discuss Your Options →
What changed in 2026
The help got smaller. The bills didn’t.
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 dropped to a cheaper plan to keep the premium down
Lower premiums usually mean higher deductibles. Worth reviewing: what you would actually owe in a bad year, and whether supplemental coverage could close that gap for less than upgrading to a higher tier.
You dropped coverage altogether
You may still be able to enroll during Open Enrollment, starting November 1, or sooner if you have a qualifying life event. There are also private coverage options that don’t have special enrollment periods, although you may need to qualify based on certain eligibility requirements.
Worth reviewing: which options are available based on your income, health, and state right now.
There is no single answer that fits every household—which is why reviewing yours specifically is worthwhile.
See Where You Stand
Guidance That Continues After Enrollment.
01
She Listens First
Every recommendation begins with your needs, concerns, providers, budget, and expectations.
02
She Educates Without Pressure
Understand the benefits, limitations, costs, networks, and approval process before making a decision.
03
She Looks for Practical Savings
Monica evaluates available options to identify potential efficiencies without sacrificing the client’s actual priorities.
04
She Services the Policies She Writes
Clients are not abandoned after enrollment. Monica remains available as a continuing point of contact.
"My responsibility does not end when a policy begins."
A Clearer Path to Coverage.
01
Tell Monica What You Need
Share your current situation, primary concerns, preferred providers, budget priorities, and the type of protection you are considering.
02
Understand Your Options
Review available choices, costs, benefits, limitations, provider networks, and approval requirements.
03
Select Your Coverage
Choose the option that best aligns with your circumstances and priorities.
03
Enroll & Support
After helping you confidently enroll, Monica remains your dedicated point of contact for any future questions or claims.
Monica Sotelo
Individual, Family & Business Insurance Specialist
Health | Life | Dental | Vision
Monica Sotelo isn’t just a broker—she’s an educator and an advocate. With a deep understanding of the insurance landscape, she knows that the wrong coverage can have serious financial and medical consequences.
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 her own family’s.
What Clients Say About Working With Monica.
★★★★★
"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."
★★★★★
"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."
Frequently Asked Questions
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.
Your Coverage Questions Deserve Clear Answers.
Schedule a private consultation to discuss your needs, concerns, priorities, and available starting points.
Your information will be handled respectfully and confidentially.
