Monarch Benefits Insurance Services

10/16/2026

10/16/2026

Love your Medicare plan? That’s great. A quick review can help you stay happy with it.

Medicare plans can change each year, even when your health and prescriptions stay exactly the same. For 2027, take a look at your plan’s Annual Notice of Change and check the details that matter to you: costs, coverage, prescription drug tiers, and provider networks.

No pressure to switch. Just a chance to understand what’s changing and make an informed decision.

Request a personalized Medicare review at monarchbenefits.com.

10/14/2026

Health insurance is a bit like a hospital gown: you may feel covered… until you turn around. 😅

Paying your premium each month doesn’t mean every service is covered the way you expect. Check your deductible, exclusions, provider network, and prior authorization rules before you need care.

Self-employed? There’s no HR team to check the back for you. Monarch can help you compare options and understand the details. Request a personalized comparison at monarchbenefits.com.

10/13/2026

10/13/2026

Affordable Care Act (ACA) Marketplace open enrollment is set to begin on November 1st. Whether you're choosing Marketplace coverage for the first time or reviewing your current plan, now is the time to start thinking ahead.

Have questions or need help? Contact us to find coverage that fits your needs and budget.

10/07/2026

Medicare coverage includes more than doctor visits, prescriptions and hospital stays. There are a variety of additional services and preventive benefits that may be available, depending on your coverage and medical needs. Swipe through to learn more.

If you have questions about what your Medicare coverage may include, contact us today. We are here to help you better understand your options and benefits.

10/06/2026

Medicare Part D prescription drug coverage will have several important changes in 2027. ...

10/01/2026

Two oversized rulebooks. One patient claim. Two opposite answers.

That is the grounded absurdity at the center of a dispute reported by STAT News on Sept. 18: several HCA-owned Texas hospitals sued an out-of-state Blue Cross Blue Shield plan over unpaid claims. At issue is a familiar insurance fault line. Different standards for deciding whether care was “medically necessary.” The patient can end up downstream of an argument between provider and insurer.

For self-employed individuals, there is no HR department or benefits team to coordinate records, challenge a denial, or track an appeal. That makes plan design especially important.

When comparing health insurance for self employed individuals, look beyond the monthly premium. Review:
• Network access and local provider participation
• Claims handling and appeal support
• Deductible, coinsurance, and total out-of-pocket exposure
• The practical rules that may affect coverage decisions

A lower premium can look appealing on paper while leaving you with more uncertainty when care is needed.



Monarch Benefits can help you request a thoughtful comparison of available options. Message us to request a comparison.

09/30/2026

California’s health insurance Catch-22: pay more: or risk a penalty.

NBC Los Angeles reports that some Californians are seeing premiums double after enhanced federal premium tax credits expired in January. One Los Angeles resident now pays $800 a month for a minimal plan, while a more comprehensive option for his family would cost $2,000 monthly.

At the same time, California requires health coverage or taxpayers may face a state penalty. One woman cited a $1,600 penalty. Insurers have also filed roughly 14–15% median premium increases for 2027.

For self-employed individuals, independent contractors, consultants, and business owners, there’s no HR department to help navigate this fork in the road. Dropping coverage can create financial and medical risk. Auto-renewing without reviewing alternatives can leave you paying for a plan that no longer fits.

Monarch Benefits helps self-employed Californians compare health insurance options based on real budgets, healthcare needs, and coverage priorities before open enrollment. Business owners can also explore whether a Section 105 reimbursement arrangement, such as SIMERP, may help manage eligible healthcare costs more tax-efficiently through proper plan design.

Request a personalized comparison at monarchbenefits.com before you renew: or go without coverage.