Does an HSA make sense to lower me to below 400% poverty level to cap repayment for Marketplace tax credit health insurance?

Does an HSA make sense to lower me to below 400% poverty level to cap repayment for Marketplace tax credit health insurance? So, I’m a waitress and my money fluctuates. I ended up making more money than I estimated this year, just over the 60k mark which means I’d be responsible to pay back $7k in subsidies for my insurance. Would it make sense to open an HSA(also I can pay into until April 15)? To get me under that 60k mark. I’m 55, and I’m not sure that my insurance...

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