There is wiggle room to keep it lower...
https://www.peoplekeep.com/blog/how-to-calculate-modified-adjusted-gross-income-magi
QOVFEFE™
I dont believe this applies to the Medicare deduction that comes directly from your SS check. It may apply to supplemental premiums. My husbands monthly Medicare was over $430 vs the normal $109 at one time. When he fully retired we had to fight to get it lowered.