Reading your post, this seems like the sort of thing that would have come up in Q4 2017 when you enrolled for 2018, and modeled out your taxes/ACA stuff for the 2018 year. I know it did for me. That said, at this point, your only real option for getting subsidies back (assuming that's what you're going for) is to reduce MAGI back under the subsidy cliff. You could have a capital loss on paper (tax-loss-harvesting), gambling loss, or any other type of tax deductible donation/contribution that comes off MAGI. TLH isn't too terribly hard, you could invest a sum in 2 things that don't typically go up at the same time, and when one of them goes down, you harvest the amount you need. How much do you need?