read this link:
https://www.hhs.gov/about/agencies/omha/the-appeals-process/part-b-premium-appeals/index.html#:~:tex....
work reductions and work stoppages are two conditions that are considered 'life changing' events, so hopefully Social Security will eliminate all your 2022 and 2023 income from their calculations.
This gets 'squirly', but it is Social Security administration (SSA) that gets your income from the IRS and determines your Medicare premium, including IRMAA. If you call Medicare, they are just going to say "Call SSA". Trust me, I just went through all this in the last 6 months. All the correspondance on what your premiums are come from SSA, but the bills asking you to pay for Medicare come from Medicare.
I don't beleive you can appeal until you get the official letter from the SSA about your premiums, which won't be until after you apply for Medicare.
Also, be careful, if you are contributing to an HSA, those contributions need to stop 6 months before you are first eligible for Medicare (which sould like could be July 1 for you).
