“The Affordable Care Act allowed us to gain coverage under a private plan, and every member of our family has benefited in some way from the care it has allowed us to access.”
I wonder if the writer knows that other families, possibly some living on the same street in her own neighborhood, are paying her medical bills. It’s not illegal. There’s no moral issue, except in the esoteric sense that lottery schemes are immoral for practical reasons.
The letter appears, all the same, to be a classic example of the fallacy of the seen and unseen. The writer sees the benefit she is getting, and is justly thankful for it, but doesn’t see the cost of providing that benefit.