Hoyer is wrong. The Constitution in that section says Congress has the power to lay and collect TAXES, etc., in order to provide for the common welfare. TAXES, not insurance requirements.
However, IMO that section does not empower Congress to tax the people for NOT taking a particular action, only for taking a particular action. But I suppose that is debatable.
True - and the "general welfare" part refers to the nation's "health and welfare", not that of the citizenry.