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Ñ EMBARGO: NO ELECTRONIC DISTRIBUTION, WEB POSTING OR STREET SALES BEFORE 5:01 A.M. ET ON SUNDAY, NOV. 2, 2025. NO EXCEPTIONS FOR ANY REASONS Ñ Jeff and Holly Kluck in Red Bank, N.J., on Oct. 22, 2025. The Klucks learned that their Medicare Part D premiums would rise sharply next year, so they are looking for new Part D plans. (Andres Kudacki/The New York Times/Fotoarena)
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