Partly true. Rents are still subject to market demands. In Queens NY some landlords tried to pass on the heating costs to the tenant within the lease, but were then unable to find any renters. Not when many other owners, who have owned their buildings for many years with a low/paid off mortgage were not trying to add on that cost.
Still for the individual when it comes to the medicine aspect. And even than, significant MCIs and significant natural disasters are a relatively rare occurrence for any individual area.
Now if you would have made the argument of public health, such as vaccines and the like, maybe.