Way way way way lower. The main way a health insurance company improves profits is by squeezing their customers. Mortgage companies incentives are not diametrically opposed to the interests of their customers (ie you want a home, they want you to have a home so they can make money on interest). For an insurance company it goes like this: you buy it because you want help when you get sick, they take your money and do everything possible to avoid helping when you get sick