ACA Subsidies Should Be Means-Tested Against Wealth

This is a relatively minor thing, but it is not uncommon for middle-to-upper-middle-class early retirees to manage income in part to qualify for ACA subsidies. Strategies well-off people can use to reduce income:

• Tap Roth or HSA accounts for tax-free income.
• Take capital gains and use tax-loss harvesting to offset the gains.
• Use the breadth of the 24% tax bracket to take extra income in the last pre-retirement years, and live off that income in the pre-Medicare years.

To be clear, I don't fault people for using these strategies. They are playing the cards they were dealt. It is the rules of the card game that need to change. It seems like the subsidies should be means-tested to some extent against total wealth.