Unfortunately, the only thing you can do is do a payment plan or pay in full. There is no way to actually reduce the taxes you owe when it is caused by jumping tax rates. In order to do that, you would have to reduce your taxable income. The 401K is taxable, as are your pensions and your social security with your other income.
You could potentially itemize your return, depending on your wife's medical expenses, this may help, but if your insurance covers most of it then that will not help and you would only be able to deduct expenses over 7.5% of your AGI.
You could also see if you qualify for a Offer In Compromise using the IRS tool which may allow you to reduce your tax debt.
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