Comment: I like the idea but I think you are missing a variable that

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I like the idea but I think you are missing a variable that

makes it hard to compare homeowners insurance to health insurance. The chances of an individual suffering a catastrophic health issue in their lifetime are generally much higher than the chances of their home getting destroyed.

I have known plenty of people who have suffered from a major illness. I do not as of yet know anyone who has lost a house to some catastrophe. As such, the insurance companies are taking a greater risk in giving you health insurance as opposed to giving you homeowners insurance. This greater risk is a factor when insurance companies decide on monthly rates.

Would health insurance be less than it currently is in a true free market? I think so. Would it be equal with homeowners insurance, probably not.

Just my two cents anyway.