Kinda makes me want to tweak my income to get a subsidy and help accelerate "burn it down".
Do it. That's what I did. It was a ten second decision, especially in a dead slow economy.
"Gee, do I take the summer off, and get under the subsidy cliff, or do I work all summer, and make enough to give every bit I make in those three months to the feds, to pay for the insurance because now I am over the subsidy limit." It came down to working for three months, for free, or taking a three month vacation.