Which statement most closely explains the purpose for a FAIR plan?

Question $13$ options:

$1)$

To provide health insurance to persons who can't afford it in normal markets

$2)$

To provide property insurance to people who can't obtain it in normal markets

$3)$

To provide automobile insurance to persons who can't obtain it in normal markets

$4)$

To provide workers' compensation insurance to employers who do business in several states