Income being $7000 over your estimate is not really a problem. This gets resolved with Form 8962 when you figure your taxes. There is an ACA cliff right now so it's not like $1 extra income costs you thousand$ of subsidy. Instead subsidy is phased out more gradually. However, the cliff may return in a couple of years, so now is a good time to plan for it in future years. It's getting late for 2022, though you could still do an HSA contribution if you had an eligible plan.
How are you contributing to an IRA without earned income? I thought earned income was required to do that?
You can invest your HSA money and save any medical receipts and reimburse yourself later, even years later. You can pay part of your Medicare premiums with HSA money. If you still have too much in your HSA you can withdraw from it later like you would a tIRA. So I wouldn't skip an HSA contribution just because you have few medical bills right now.
I had to sell off my managed mutual funds in taxable to better control my dividends for ACA subsidy planning. I don't keep that much in assets that pay interest in taxable. I keep most of those in IRAs.
Whether it's worth you doing something like that, I can't say, because you haven't said much about your situation, other than being over what you had estimated. Maybe you can and should do something, or maybe you shouldn't let the ACA subsidy rule your investing. Are you over 400% FPL, which is the key target if the ACA cliff does return? If not I probably wouldn't worry about it.
