ObamaCare has hit people like me the hardest. I left a desk job at The Post to dedicate my time to teaching yoga and developing a career in health and wellness (the irony of sacrificing my health insurance for this is not lost on me).

I’m teaching on a freelance basis. My husband is also a full-time freelancer, or a “perma-lance,” if you will. Our household income puts us just barely in the lower-middle-class bracket.

And we will end up paying top dollar to have any type of insurance.

So we’ve decided we’re just going to pay the Affordable Care Act’s individual-mandate penalty: 2 percent of household income or $325 per person, whichever is more (of course).

Paying this and paying cash individually for whatever services we require is still far cheaper than buying a health-insurance plan.