Insurance & Taxes

I really wish I understood more about politics. I would love to get involved because I feel so helpless and I want to be a part of the solution. But things are so complex that it is difficult to decide where the stand needs to be made.
I just got a letter from my insurance company basically stating that unless Ross or I join the military we would have to get a different insurance company if we ever decide to move. It explains it in a way that makes sense of the business side so I can't fault them for making this decision not to write new policies for Florida. I also understand the legislation's stand in keeping companies from raising rates to Floridians. However, I also feel that if Florida puts restrictions on companies than all that will happen is companies will do exactly what has been happening, and will just quit serving Florida altogether. Which in turn leaves Florida homeowners still screwed anyway. So, what now? It just seems like when it is election day all this talk of keeping the insurance rates from rising sounds great and everyone is all for it, but there isn't much of a thought to the future. I am glad that I can keep my policy for now, and it is nice that my rates aren't going to hike, but I don't plan to stay in this house forever. We'd like to have another kid and hopefully a bigger house someday, but now it isn't just the cost of property that will slow us from that dream, it is insurance too.
Next issue. Last night I did our taxes. (I am not usually a late taxes person, but O'Malley's took their sweet time getting me my W-2.....it arrived on FRIDAY!!) and I realized that we paid more out in Social Security taxes than we did in Federal taxes. I don' t know how it is for the rest of the world because most of our income is in cash, but I find this very strange. And disheartening because I know I will never see a dime of that. I think it is great that my dad and my aunts will be able to collect some of it, but they paid into it their whole lives too. My generation has really dropped the ball on this one. We are a generation of NOW and it is going to really hurt us in the future. My generation needs to stand up and be counted. Instead, we don't vote, we don't get active and in result have allowed for the current government to refuse to look at this issue. No one in government is going to do anything about it unless it matters come election time. It just seems like my contemporaries have just accepted the fact that we can't depend on it and are planning other ways to support ourselves rather than forcing someone to address this problem. My generation is contributing to retirement savings, 401ks and IRA at a higher rate than those ahead of us, which is great, but sad. Last year I contributed 30% of my salary to IRAs because I am so scared of what the future will hold and since I know that I cannot count on ever seeing that money that I am paying out for social security. I think many of my contemporaries see it as a tax and that isn't what it is! It is supposed to be OUR retirement!
sorry....rant over.