Contest the Medicare High-Income Surcharge
If your adjusted gross income (plus tax-exempt interest income) is more than $85,000 if you’re single or $170,000 if you’re married filing jointly, you’ll have to pay extra for Medicare. The last tax return on file determines your premium. But if your income has dropped since then because of certain life-changing events, such as divorce, death of a spouse or retirement, you can submit Form SSA-44 and ask Social Security to substitute your more recent income.