  The availability of insurance provides a link between brute and option luck. For “the decision to buy or reject […] insurance is a calculated gamble” (Dworkin 2000, 74). This means that a person may suffer bad brute luck, and for that reason end up worse off than others, and yet the resulting inequality might reflect differential option luck (see, however, Otsuka 2002, 43–51).  Roughly, this will be so if the person who ends up worse off could have insured against the sort of bad brute luck that she later suffered but declined to do so (Dworkin 2000, 74, 77). So although it may be bad brute luck that I suddenly go blind as a result of a genetic condition, the fact that I end up worse off as a result of going blind (if this occurs) will reflect bad option luck provided suitable insurance was available to me. (This is not to say that suitable insurance against the risk of becoming blind is possible. I am neither denying nor affirming that no amount of money can compensate one for the loss of one’s ability to see; nor am I denying, or affirming, that although some, presumably large, amount of money can compensate one for becoming blind, the required insurance policy will be unreasonably expensive. If suitable insurance against the risk of becoming blind is not possible or possible but unreasonably expensive, it follows that ending up worse off as a result of this is, to some extent at least, a matter of bad brute luck.)