Hi Drestacks1
welcome to this Apple (user-to-user) Community!
Re: "I am being charged 40 dollars for Apple Music when my individual plan is $10.99" ... ... ... "I just wanted answers to why ?"
We are all Apple users, just as you are, in the community. No-one here has access to your accounts or details in order to check this out for you.
We'd like to help you find answers though:
You can check your purchase history to see what charges Apple has made to your payment method: View your purchase history for the App Store and other Apple media services - Apple Support
Multiple items may be grouped onto one bill
How apps, content, and subscriptions from Apple are billed - Apple Support
You may want to check the statement from your payment method provider to see whether that matches your Apple payment history.
More info: Get help with charges from apple.com/bill - Apple Support
If some of the charges do not appear in your purchase history, Apple may have passed money on for you (like a bank does) if requested.
See : About purchases not billed through the App Store or Apple In-App Purchase - Apple Support
Eg: says:
"If you paid for an app, a purchase within an app, or a subscription outside of Apple’s ecosystem, contact the developer for billing support or a refund. Apple is unable to provide support for these purchases."
Family members may or may not have made purchases:
If you wish: you can: Manage your iTunes Store purchases and settings on iPhone - Apple Support
or
Check if you want to change any settings or restrictions: Change settings and restrictions in the App Store on iPhone - Apple Support
In these times: The charges may or may not all be genuinely from Apple.
Tips from a well-respected community member:
Billed, but you didn’t buy? - Apple Community
If you still need help with finding answers:
You may want to reach out to Subscriptions and Billing Support ... there's a contact link (online chat / phone / email etc.) at the bottom of their website: Subscriptions and Billing - Official Apple Support
All the best :-)