Why is my annual charge 99.99. I’m retired & was 69.99

See this: How to get a refund on a Microsoft subscription - Microsoft Support

The annual plan for Microsoft 365 Personal is now $99.99.

https://www.microsoft.com/en-us/microsoft-365/buy/compare-all-microsoft-365-products

I need a refund

The increase in your annual charge from $69.99 to $99.99 could be due to several factors, such as a change in the pricing structure for your subscription or an increase in the license price. Subscription prices can vary based on factors like the number of licenses, changes in service offerings, or adjustments made by Microsoft. If you added or removed licenses or if your subscription renewed at a different rate, that could also affect the total amount billed. For specific details regarding your account and billing, it would be best to contact Microsoft 365 Support directly.

References:

• Why am I getting billed for Microsoft 365 after I activate the benefit?
• Understand your invoice for your Microsoft MOSA billing account