Sveta, i don't know if public plan is supposed to be subsidized in the current version.. but if they do go forward with it i hope they write it as a law!
About government telling companies who to insure.. it's a tough one.. we are facing the same issues with health insurance.. you can't get a policy if you are on your own and have pre-existing conditions..
Being in a hurricane zone is like having a pre-existing condition..
But when you are a consumer u need insurance, in fact your mortgage company forces you to have one ( and rightfully so ), and if you can't get one.. maybe it is government job to step in in some capacity.

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу