Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
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Notes -
I know that California at least has a state fund that serves as an insurer of last resort, I don't know much about it but I suspect that either there are regulations related to it that prohibit raising prices that much, or that everyone would use it instead of if prices were raised that much.
Also note that there's a lot of overhead involved in calculating what the rates should be and advertising them and offering them, if you expect that no one can afford the rates you would have to charge and you will get very little business, it may save money to shut down rather than pay the overhead to keep offering them.
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