Wanna know your Medicare costs for 2026?

Post Thanksgiving Greetings 🦃 …

We hope you had (and are having) quality time with your family as we head into the holiday season, with your Medicare coverage flying high✈️!

The Annual Election Period ends Sunday, December 7th.  So… if you’ve been procrastinating, email Gray, Gray@TheBig65.com with any changes to your drugs and doctors. Gray and I will review them and we’ll be sure to get on the calendar… if you are flexible.

Miti and Quantz took a road trip east while yours truly is keeping the home fires burning🏡🔥.

Miti in the front of the airplane cockpit.

Plato wants to assure everyone that we will not drop the ball during this Medicare busy season!

Plato in a field with a ball in his mouth.

Now it’s official. The Part B Medical Deductible has risen from $257 to $283.

Chart with Medicare costs.

The Part B Base Medical Premium for 2026 has risen from $185 to $202.90.

That premium is for folks with an income of less than $109,000 filing taxes separately, or $218,000 for a Joint Tax Return. Give thanks if you have the problem of paying more than that for Part B!

Post of Medicare costs for 2026.

2026 Part B premiums are based on your 2024 tax returns so if you inherited money that year (or got a big bonus) and the change in income was a one time event…

Consider filing an income exception request form. It never hurts to ask for a reduction.

Quantz with her father and family.

Ten years ago, I was doing all my appointments face to face.  This year? Well, just for the fun of it, I visited Catherine nearby. Her grandson was kind enough to draw me a picture.

They were also kind enough to give me a review on Google. If you’d like honey, we would be honored for you to share your words.

Catherine and her grandson who is showing his picture.

Plato and I spent a delightful Thanksgiving day with Sus, KC, and his parents. They cooked up a storm (we brought artichokes).

KC is definitely my role model for no shave November, but I don’t think I’ll ever catch up to his viking 👑🧔‍♂️⚔️head of hair.

Karl and family at the Thanksgiving dinner table.

After Tina and Jay visited their kids in Seattle, they decided to take the train back to Tucson.

Lots of time for reflection, reading, and people watching. Sounds like a great adventure to me!

Tina and Jay traveling and enjoying life.

As we head into the holidays, keep your focus on connecting with other people, NOT on the things that make you mad.

Pick up the phone and call someone you love (like my old buddy Marcos). I’ve known this guy since college and we laugh at each other every time we connect. Talking with Marcos is always good for the soul.

A closeup picture of Marcos.

Stay away from the people and the things that cause you grief; find something new that inspires you. Help someone with less.

This week, Miti saw the ocean for the very first time in her life. Despite living in Madagascar, an island surround by water, she had never been able to leave the orphanage and see the ocean.

What are you waiting for?

Miti walking in the ocean.

Keep asking,  “What’s the next big thing?”

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Michigan
Minnesota
Missouri
Montana
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services does not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare broker Karl Bruns Kyler Big 65.

Are you ready for the final flight?

May this blog post find you in great health with your Medicare Insurance working properly 😊.

Beautiful sky over the Annual Election Period.

Just in case your phone isn’t illegally ringing off the hook, the Annual Election Period began last week and I keep hearing all the bogus call centers are bugging the snot out of everybody.

Remember to book a time here if we need to talk or update your Medicare insurance coverage or if your friends and family need help. If everything is working fine, ignore the noise.

Remember: anyone who calls YOU about Medicare without permission is BREAKING THE LAW. Ask for their insurance license number and watch them disappear 👿.

Hunters in Canada in the very early morning of the day.

My little brother Haas and his buddies fulfilled a lifetime bucket list event: bird hunting in Saskatoon, Canada. And though I’m not a hunter anymore, I was pretty dang impressed by their adventure.

A brown hunting dog eagerly awaits the hunt in Canada.

Ten friends, two dogs, 2,300 decoys, plus gear, traveled 5,300 miles to Saskatoon, Canada to do what they love doing.

White decoys in a Canadian field.

For six days, they got up early, scouted terrain, set up decoys, coordinated plans and had the adventure of their lives.

A brown hunting dog holding a bird in its mouth.

You can see it in their smiles… the joy and the happiness that comes from doing things that are meaningful for you. What are you waiting for?

A group of men making a toast to the beginning of the Annual Election Period.

Last weekend, I travelled to the Shenandoah Valley and paid my respects at the wake of a friend.

Jann White memorial in Virginia.

Jann was one of those people everyone loved. She was kind, compassionate, delightful, and the person who always lit up the room just by showing up.

Jann White memorial in Virginia.

Friends and family shared memories and listened to her favorite songs. We told stories, shared drinks, savored delicious marzipan cupcakes and remembered Jann with love, laughter, and tears. It was a beautiful afternoon.

A life of joy means every bite is the best thing ever.

Most of us don’t know when we’re going to die, but we do know it is going to happen, so do your family a favor…be prepared. Don’t leave them in the lurch.

  • Create a will and designate beneficiaries.
  • Complete Power of Attorney and Medical Power of Attorney.
  • Organize your important documents and have passwords and logons in a file.
  • Manage your debts and make sure your family knows how to handle them.
  • Write down and discuss your funeral and burial plans.
  • Talk openly with your family about your end of life plans.
  • Write down your personal wishes and important information.

This list is not all inclusive but it’s a start. Here’s a link that may be helpful.

Every time I lose a friend, a family member or a client, I try to remember that Latin phrase, memento mori, meaning…

A gentleman playing with his dog and savoring the meaning of life.

Remember you must die.” The lives we are given pass so quickly it’s helpful to use these encounters to move us forward, to keep us focused on what remains, what can be done, what we still have the passion to do.

Dr. Rob Kyler of Staunton, Virginia enjoying the great outdoors and preparing for The Annual Election Period.

Five years ago this summer, my older brother severed his spinal cord in a biking accident. How easy it would have been for him to have defined his life by this event.

Dr. Rob Kyler playing paddleball with friends.

Instead, Robert chose to use this brush with death and adversity as wake up call to continue living, and living well, living a life of service, as a physician and a mentor, and a life of activity.

Rob Kyler enjoying fall pumpkins as Medicare's Annual Election Period looms in the near future.

Never pretend life is easy, but it is an adventure, a combination of the hand we are dealt and how we choose to play the cards. Play with intention and choose your partners wisely.

Q in Armenia.

Keep squeezing the juice out of life!

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

If family or friends need help… referrals are the lifeblood of my business.

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
– Robert B

Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in twenty-seven states around the country, including:

Alabama
Arizona
California
Colorado
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services does not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

The Big 65 Medicare insurance broker logo.