I don't believe it's illegal for a US citizen to visit Cuba... it's only illegal to spend any money there. Reason for the ban... laws banning "trading with the enemy." If the government should hear of a visitation, hearings and heavy fines can be levied (unsure about possible jail time).
With the current administration stauch supporters of "no relations with Cuba", and with an active "Homeland Security" I see little reason to take chances on such an adventure.
Perhaps since you can't spend ANY money there, the trip itself might not be so extraordinarily expensive... but... upon your return it could become a very expensive photo shoot...
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