This is likely because the state they live in does not allow insurance companies to price their coverage according to risk, and applies political pressure when

This is likely because the state they live in does not allow insurance companies to price their coverage according to risk, and applies political pressure when they try to do so. Insurance companies are demonized and characterized as heartless, rapacious and greedy, despite the fact that they’re probably losing money at current prices. So, many companies decide to exit the market rather than be forced to sell a service that they expect to lose money on.