Help me understand why insurance companies are on the hook for lower prices in October.  The major bearer of risk is the good ole US Govt as far as RMA is concerned.  Is there really that many other policies that insurance companies sell where they are on the hook?  I only use RMA insurance and have not purchased anything else from insurance companies for years.  When I started farming when I purchased some hail insurance for a few years.  

Just asking as I don't understand all the posts directed at insurance companies and price risk.

Thanks