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You can still write exchange biz without taking the Advanced Subsidy....if they are due any subsidy they will just deduct it from the tax bill at years end.
I had one family who took 1/2 of the allowable subsidy amount. Husband/Dad is a C.P.A.. He says that it's "insane" for anyone to accept the full ACA advance tax credit if there's even a CHANCE that their ultimate income will be higher than estimated for 2014. There are limits on the Clawback amount, but not on IRS penalties and interest. They're calculated based on the entire overpayment, he says.
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