Citizens (used to be called the JUA) is "insurer of last resort" to catch those the private market won't cover. The private market works exactly like your other comment:
- it’s more like they get a shit ton of money and then don’t pay anyone out, file for bankruptcy, and then repeat*
It's a racket, not insurance. If the state forced everyone onto Citizens, rates would go down, not up. I have made zero claims in 35 years of having old house here, and have paid so much it would have bought another house. The private companies cherry pick and overcharge, then dissolve, run with the money, and come back under a different name.



LSD is the only drug I would do again, if I could. Would love to try micro dosing too.
But my trippiest experience was in a dream, not with psychedelics.
I had a dream that I turned inside out, not in a gross way, but everything that had previously been outside of me WAS me, and only what I had been before was outside of "me". It was so transcendent.