Medicare Annual Enrollment is Oct 15 – Dec 7, 2026
Educating you on your insurance options
Kryder Cares is an independent insurance agency in Perrysburg, Ohio. Kris Kryder helps people across Toledo and northwest Ohio understand Medicare, individual health insurance and life insurance, compare plans from several companies, and enroll at the right time. Every consultation is no-cost, no-obligation and no-pressure, in person, by phone or by video.
- Medicare · ACA · Life
- In-person meetings available
- Licensed in OH, MI, IN & FL
Solutions
Coverage for every stage of life
One local, independent agent for Medicare, individual and family health, life insurance and employee benefits.
Medicare
Before choosing a plan we want to be sure you know the difference between your many Medicare plan options.
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Health
We’d be happy to evaluate your current coverage and present you with side-by-side comparisons.
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Life
Protect what matters most! Life insurance may be one of the most important purchases you’ll ever make.
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Employee Benefits
Tailored group benefits for northwest Ohio employers, with a single point of contact.
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Personal NPN 17893463 · Agency NPN 21315277
Meet Kris
Why you should work with Kris
Kris Kryder specializes in helping you understand when and how to enroll in Medicare and Health insurance. She will answer your questions and clarify the insurance options you have. She will help you avoid common misconceptions and late enrollment penalties. Her clients are located all across northwest Ohio, giving her a great feel for the insurance landscape. Talk with Kris today in a no-cost, no-obligation, no-pressure consultation!
- Independent — compares plans from the carriers she represents, not just one
- Reviews your doctors and prescriptions before recommending anything
- Stays your agent after enrollment, every year at AEP
How it works
Four simple steps, no pressure
Meet in person at 842 W South Boundary St in Perrysburg, or by phone or video — whatever is easiest for you.
Schedule a meeting
Book a time on Kris’s calendar or call (419) 277-8097. Consultations are no cost and no obligation.
Review your needs
Your doctors, prescriptions, pharmacy, budget and the coverage you have today.
Compare side by side
Plans from the carriers Kris represents, explained in plain English.
Enroll & stay supported
Kris handles the application and checks in every year when plans change.
An Independent Agency Means More Than One Choice
Kryder Cares is not tied to a single insurance company. We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 119 products in your area. That means Kris can line up plans from different companies side by side and walk you through how they differ.
You can see the companies Kris works with on the carrier partners page. Plan choices depend on your county and state, and they can change from one year to the next, so a plan that fit you last year may not fit you this year.
What a Consultation With Kris Looks Like
A consultation is simply a conversation. Kris asks about your doctors, your prescriptions, your budget and how you like to get care. Then she explains your options in plain English and answers every question you have. There is no cost and no pressure to enroll that day, or at all.
You can meet at the Perrysburg office at 842 W South Boundary St, or talk by phone or video. Office hours are Monday–Friday, 9:00 AM – 5:00 PM. If you’d like to get a head start, you can send your medication list through the Rx drug lookup form before your appointment.
- Review your current coverage, doctors and prescriptions
- Compare plans from several companies side by side
- Check enrollment dates so you can avoid late penalties
- Help with applications if you decide to enroll
Medicare Annual Enrollment for 2027: Oct 15 – Dec 7, 2026
The Medicare Annual Enrollment Period runs October 15 through December 7, 2026. Changes you make during this window take effect January 1, 2027. It is the main time each year to switch Medicare Advantage or Part D plans, or to return to Original Medicare.
Plans send an Annual Notice of Change each fall. Read it closely, since premiums, drug lists and provider networks may change. For 2027, the Part D out-of-pocket cap rises to $2,400. Kris can review your plan against your current prescriptions and doctors before the deadline. Learn more on the Medicare planning page.
ACA Open Enrollment for 2027 coverage runs Nov 1, 2026 – Jan 15, 2027. Enroll by Dec 15 for coverage that starts Jan 1.
No sign-up needed
Run the numbers before you call
The questions Kris hears most — late-enrollment penalties, IRMAA and enrollment dates — answered with calculators built on CMS figures.
Part B penalty
See what signing up late for Part B could add to your premium — for life.
Open calculatorPart D penalty
Estimate the drug-plan penalty using the 2027 base premium.
Open calculatorIRMAA estimator
Check whether your income triggers a Medicare surcharge.
Open calculatorEnrollment window
Find your 7-month Initial Enrollment Period and Medigap window.
Open calculatorClient stories
See what my clients are saying about me
Real words from real clients across northwest Ohio — and one who moved to Florida and kept working with Kris.
“Kris is amazing! So kind, helpful and knows her stuff. She helped my husband and I get through Medicare B and Medicare Advantage. She is the one I would recommend to others if needed assistance going into retirement.”
“She always listens to my concerns. She alerted me that my previous drug plan was not going to cover one of my medications, and steered me to a better one.”
“Kris was very pleasant to work with. She explained Medicare and all of its complexities to us and made it easy for us to choose a plan and fill out the applications. I highly recommend using her to get you through the process correctly.”
“Kris has helped me the last few years and I’m very pleased with how helpful she has been to me.”
“Kris was caring and understanding of our situation. The choices she suggested were perfect for our needs.”
“I was very happy with the help Kris gave me. She was very pleasant and easy to talk to. I will definitely be recommending her. Thanks again for making this so much easier for me.”
“I was pleased to talk to an American representative from my own area that actually cares about my personal needs and got a plan that fits my personal needs best! She was extremely down to earth and I’m going to continue to refer my friends and family to her! Thanks so much for taking the time to find me a plan that fits me best.”
“Kris has helped me with Medicare insurance for 4 years. She is very thorough and patient. When I moved to Florida she researched companies here and continues to help me.”
“Kris did a wonderful job helping me with my insurance needs.”
Every product line
Plans Kris can help you compare
Medicare Advantage
All-in-one Medicare Part C plans, including MAPD, HMO and PPO options, compared side by side for northwest Ohio.
Learn moreMedicare Supplement (Medigap)
Medigap Plans G, N and high-deductible G that help pay what Original Medicare leaves behind, quoted across carriers.
Learn moreMedicare Part D
Standalone Medicare prescription drug plans, checked against your exact medications and preferred pharmacy.
Learn moreSpecial Needs Plans (SNPs)
Medicare Advantage plans built for people with Medicaid, certain chronic conditions or an institutional level of care.
Learn moreACA Marketplace Health Insurance
Individual and family health plans through HealthCare.gov, with help estimating 2027 tax credits and comparing metal tiers.
Learn moreShort-Term Medical
Temporary health coverage that can bridge a gap between jobs or before other coverage starts. Not ACA-compliant.
Learn moreDental, Vision & Hearing
Standalone dental, vision and hearing coverage for retirees and families, including options that pair with Medigap.
Learn moreHospital Indemnity Insurance
Fixed cash benefits when you’re admitted to the hospital, to help with copays, deductibles and the bills that keep coming.
Learn moreTerm Life Insurance
Affordable protection for a set number of years, while your mortgage, kids or income needs are at their peak.
Learn moreWhole & Universal Life Insurance
Permanent life insurance that lasts your lifetime and builds cash value, with fixed or flexible premiums.
Learn moreFinal Expense Insurance
A small whole life policy that helps pay funeral costs and final bills, so your family isn’t left with the burden.
Learn moreFixed & Fixed-Indexed Annuities
Insurance contracts that can protect principal, grow tax-deferred and turn savings into income you can’t outlive.
Learn moreLong-Term Care Insurance
Help paying for in-home care, assisted living or nursing home care — the custodial care Medicare doesn’t cover.
Learn moreDisability Insurance
Replaces part of your paycheck if illness or injury keeps you from working, for individuals and employer groups.
Learn moreLearn
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Medicare’s Annual Enrollment Period runs Oct 15 – Dec 7, 2026, and the choices you make take effect Jan 1, 2027. This checklist walks you through what to review, what you can change and which deadlines matter.
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Medicare Part D in 2027: What Changes and What It Means for You
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Read · 8 minAreas we serve
Local in northwest Ohio. Licensed in four states.
Kris meets clients at her Perrysburg office and works with families across the Toledo area — and by phone and video in Michigan, Indiana and Florida.
FAQ
Frequently asked questions
Straight answers to what people ask Kris most.
Does it cost anything to meet with Kris Kryder?
No. Consultations with Kris are no-cost, no-obligation and no-pressure. She is paid by the insurance companies when you enroll in a plan, and the premium for a given plan is generally the same whether you enroll with an agent or on your own. You are never required to enroll in anything after a meeting.
Where is Kryder Cares located?
Kryder Cares is located at 842 W South Boundary St, Perrysburg, OH 43551. Office hours are Monday through Friday, 9:00 AM to 5:00 PM. You can meet Kris in person at the office, or set up a phone or video appointment if that is easier for you. Call (419) 277-8097 to schedule.
What types of insurance does Kryder Cares offer?
Kryder Cares helps with Medicare Advantage, Medicare Supplement, Part D drug plans, ACA Marketplace health insurance, short-term medical, dental, vision and hearing, hospital indemnity, and life insurance including term, whole, universal and final expense. Kris also works with annuities, long-term care, disability insurance and employee benefits for businesses.
Is Kryder Cares an independent insurance agency?
Yes. Kryder Cares is an independent agency, so Kris is not limited to one insurance company. We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 119 products in your area. That lets Kris compare options from several companies for you.
When is Medicare open enrollment for 2027?
The Medicare Annual Enrollment Period for 2027 coverage runs from October 15 to December 7, 2026. Changes made during that window start January 1, 2027. If you are in a Medicare Advantage plan, you also get a second chance from January 1 to March 31, 2027 to switch Medicare Advantage plans once or return to Original Medicare.
Can Kris help me if I live outside Perrysburg or Toledo?
Yes. Kris works with clients all across northwest Ohio, and she is licensed in Ohio, Michigan, Indiana and Florida. Phone and video appointments make it easy to work together if you live farther away. Plan choices vary by county and state, so Kris will look at the plans available where you live.
What should I bring to my first appointment?
Bring your Medicare card or current insurance card, a list of your prescriptions with dosages, and the names of your doctors and preferred pharmacy. If you have a recent plan letter, such as an Annual Notice of Change, bring that too. Having this information ready helps Kris compare plans accurately in one visit.
Will working with an agent cost me more than enrolling on my own?
Generally, no. Insurance companies set plan premiums, and those premiums are generally the same whether you enroll through a licensed agent or directly. What an agent adds is guidance: Kris can explain the differences between plans, check your doctors and prescriptions, and stay available after you enroll if questions come up.
Can Kris help with ACA health insurance as well as Medicare?
Yes. Kris helps individuals and families under 65 with ACA Marketplace coverage, including people who are retiring early or are self-employed. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Visit the individual and family health insurance page to learn more about your options.