You would need to reduce your Adjusted Gross Income in order to reduce income subject to IRMAA. Some nontaxable income items may also affect IRMAA. See this Social Security webpage for more information about the IRMAA calculation.
You could choose, for example, to sell stock or other investments at a loss in 2025 if it would reduce your AGI, or if you qualify and would benefit from making a deductible IRA contribution, that could also help.
This TurboTax Calculator can be used to estimate taxes for 2024. Here are the changes for 2025 as of now.
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