Obamacare rewards those who engaged in risky behavior

January 2

In the Dec. 29 front-page article “Health law provides a comfort to those at risk,” readers learned about Adam Peterson, who is excited to use his new health insurance, acquired through the Affordable Care Act, to pay for surgery. The Post reported that he delayed the surgery because about six years ago “he decided to forgo health coverage because he needed the cash to set up his financial services business.” (I’ll set aside the discussion of how much confidence I would put in a financial services professional who chose to go without health insurance.)

Like Mr. Peterson, my husband and I own a business (an insurance agency). Unlike him, we maintained our health insurance, despite the cost. For many years, we paid premiums while taking little or no benefit from the plan, understanding that this was the price of assurance that we’d have insurance protection when injury or illness made it necessary. But what suckers we were! We could have saved the money and then celebrated when Obamacare made it possible to purchase coverage just when we needed it for an expensive surgery or treatment.

Call me coldhearted, but I feel no compunction to “provide comfort” to those who had the financial ability to buy health insurance but decided to assume the risk of going without it to spend the money another way.

Katherine Laurick, Charlottesville

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