Hey Greg Bassinger,
It appears that after updating to iOS 15 and upgrading to macOS Monterey, you're no longer able to send photos via MMS to your contacts who have Android devices. It appears you're seeing a message or prompt that MMS has to be enabled. Does that sound right? We want to ensure we fully understand what's going on. If yes, you'll want to start with making sure your text message forwarding settings are correct: How to forward SMS/MMS text messages from your iPhone to your iPad, iPod touch or Mac
If the issue continues, you can see if restarting both of your devices may help:
Let us know how those steps go or if you've already done those.
Best wishes to you.