As far as I've seen, the repayment limitation still applies.

You generally enter 0.01 for the SLCSP to disqualify the credit, but if the repayment is already being limited, that really won't change anything.

As far as legally scam the system, when applying for heath insurance and the Advance credit, the taxpayer certifies that she is not eligible for other insurance.  Intentionally providing false information on the healthcare application is subject to a penalty of up to $250,000.

As a side note, the recent tax act has eliminated the repayment limitation starting for 2026.