Rave this, if you think Obama has done more to harm America, than any other President ever.

Interstate commerce clause does not give the federal government the power to force citizens to purchase certain products or commodities. If the federal government had such power, it would have unlimited police power in determining which commodities, services, values and interests people had to take up.

http://en.wikipedia.org/wiki/...

The most current interpretation of the Commerce Clause agrees with my interpretation. Justice Anthony Kennedy even asked the Solicitor General in the case over the Affordable Care Act's constitutionality a very interesting question. He asked that, if the Commerce Clause permitted the federal government to compel citizens to purchase a commodity or service merely for existing, what constraints were there on the government's police power. You see, if the government has this type of power, it can pretty much do whatever it wants regardless of Constitutional restraints. The Solicitor General had no rebuttal for Justice Kennedy.

You have to have auto insurance after you purchase a car. You do not have to purchase a car, hence auto insurance is not being compelled on U.S. citizens by the federal government (very different from health care, which compels citizens to purchase a commodity merely for existing). Since I did not choose to exist (contrarily, I chose to buy a car), the two issues are fundamentally different, and only someone very irrational could conflate them.

Health insurance costs are determined by a number of factors. You are correct that an uninsured person getting injured drives up costs for everyone. But insurance companies - and the people who choose to purchase insurance - choose to take those risks before purchasing insurance, hence the liability is squarely on them. Again, your interpretation of the Commerce clause allows unlimited policing power. If the government can intervene for the purpose of lowering costs (e.g., what your example ultimately is), then it can arbitrarily regulate any industry for the purpose of lowering costs (and we all know how well that works out).

Health insurance premiums have risen dramatically since Obamacare. This is because it does things like force insurance companies to cover people with pre-existing conditions, give lower rates to poorer individuals and allow children to stay on their parents' insurance until they're 26. Those drive up costs far more than the people that don't have insurance.