So... if you take the 9K, the subsidized insurance will run out at the end of November.
My understanding is that you can pay out of pocket to keep it going until the end of the year, but that you have 45 days to make that call. Meaning you could wait and see what December holds, and if you have bills higher than the cost, pay for it to cover them.
But.... isn't there some question on the taxes about being insured... if you choose not to pay for December, would you owe a tax penalty?