The commerce clause is a myth, the original, and applicable definition is to make regular. There is nothing necessary or proper in the morass of bullshit we have clogging up interstate trade these days, it's the opposite of regular. You can make up truck sized holes by pretending it says something else, but the only truck sized holes they left in it were the lack of term limits and a set number of judges on the SCOTUS.
Zyx, you can call me names all you want, but you're still willfully wrong.
You may know plenty about health care, but you know dick about the regulatory history of health care in the US. Most of the insurance companies that exist today were directly created by Uncle. The way the insurance companies operate with regards to cost controls are due to the structures Uncle used when creating them. They were an attempt to control costs by Uncle. There are reprehensible barriers to entry on new competitors. There is no free market.
Earlier in the century, Blue Cross was created by a cabal of hospitals in combination with state legislation enacted to exempt them from the rules other insurance companies had to follow. The stated purpose was to decrease competition between hospitals. Score one for the government supported monopolist mindset.
Blue Cross then saw too much competition after proving the existence of the market, private insurance companies jumped in. The hospitals were still protected from having to compete against each other, so everyone made a killing as the free market had been stripped from it. Instead of what you're willing to pay versus what the hospital is willing to accept, it's what you can afford to pay versus what the hospital is willing to accept.
Then the sixties come along, Medicare and Medicaid are passed. Oh look, more anti-competitive insurance systems that discourage competition by providing set prices! I hate the sixties. When someone else is paying your bills, you don't really give a fuck how much they cost, now do you? Health care costs doubled in just a few years time, they then doubled again in a few more years time.
In the seventies, another decade I hate, Uncle brought about the dreaded HMO. Oddly enough, a dreaded organization that nearly everyone liked by the time they killed their own monster to protect us. The media is wonderfully dishonest. The HMO system was created specifically to ration care, Medicare and Medicaid costs were increasing too fast, so they were attempting to shortcut the industry by reducing services. These entities were established and run with the goal of denying services whenever possible. Of course, most people aren't sick, thus didn't ever notice they were screwed if they got sick. Those that were sick railed against the HMO's instead of the Congress that created them.
Which brings us to the present state of things, the HMO system was demolished, leaving all of those government created insurance agencies sitting around with nothing to do besides provide the same, anti-competitive insurance systems started by Blue Cross. Thanks to more actions by Uncle, many people get their purposefully anti-competitive insurance through their place of employment, adding another layer of separation between the cost payer and the person recieving care. Costs, predictably, go through the roof.
All of the above systems were explicitly pre-paid medical, instead of actual insurance that would cover catastrophic illness.
Now that I've provided the rough layout of insurance history in the US, I expect you'll ignore it and continue blaming free markets for something that hasn't been a free market. You have two choices, leave fantasy land, or stay in it. I'll find amusement either way so it's irrelevant to me.
For those of you that fly off the handle every time someone says the word fascist, this is another example of it. 
