Healthcare costs in the U.S. are expected to reach 20% of GDP by 2025, and improvements in technology often lead to increases in the digitial divide, resulting in growing disparities in access to quality affordable healthcare. Furthermore, lack of effective health data sets, including various biometric, demographic, and satisfaction data for healthy populations, hinders research into population health using the tools of Artificial Intelligence (A.I.). A system is proposed, Home Health Monitoring System (HHMS), which leverages Internet of Things (IoT) and A.I. with security-focused development methodologies within a unified policy and regulatory framework. HHMS is intended to improve access to quality care, while improving patient safety and reducing systemic costs to healthcare. Additional benefits are achieved through development of large-scale data sets and support for research studies and clinical trials. This is achieved through coordinated development by healthcare providers, regulatory bodies, and medical device manufacturers.