Just a caveat here about receiving the advanced premium tax credits (APTC). There is a mechanism in place to clawback "unearned" APTCs but:
| Income(% Federal Poverty Level) | Maximum repayment amount for a single individual | Maximum repayment amount for couples and families |
|---|---|---|
| Less than 200% FPL | $300 | $600 |
| 200% – less than 300% FPL | $775 | $1,550 |
| 300% – less than 400% FPL | $1,300 | $2,600 |
| 400% FPL or greater | Full Amount | Full Amount |
Source: Kaiser Family Foundation via Internal Revenue Service
Thus, for someone in the described situation above, worst case scenario is they could get $300 taken out of their tax return (which is much smaller than the amount of subsidies they would receive over the course of the year).
Feel free to add this information to OP if it's useful