Re "Obamacare mandate may be necessary, but for many it won't fly" (Viewpoints, Dec. 25): The Affordable Care Act, Medicare and defined benefit pension plans depend on pooling of risk. Pooling of risk is what makes them cost-effective, reliable and efficient. Fees can be controlled, outcomes are more predictable, and people are more secure. The ACA is a work in progress, but for right now, it's the best we've got. Medicare has proven it works. Defined benefit plans have also, whereas defined contribution plans, such as 401(k)s, are more costly and have left many people unable to prepare for their retirement. In each case, individuals have invested or will invest their own dollars and earn their benefits.
-- Paula Weiss, Sacramento