DH was laid off last May. He declined unemployment, though he was eligible, and has (at least temporarily) retired. We're happy that the ACA plans are available, so at least we can get insurance.
We have little income (some dividends), but enough cash on hand to last the year. This means we can manipulate our reportable income by selling stock or doing a Roth conversion to qualify for any level of subsidy. However, he doesn't want to take the subsidy, since he thinks we can "afford" the premiums regardless.
Ethical? Too ethical? Nuts?