Medical and Insurance are not tangible goods as defined for commerce. They have been long established as services. We must stop calling them goods as that is a dishonest political maneuver.
Services that fail to meet expectations fall into two categories. Either poor service or fraud. Insurance companies can be difficult to deal with and can be held accountable for fraud and poor medical services are again accountable through the patients ability to sue.
Removing them from the definition as a service and redefining them as a good, removes the patients ability to have logical recourse and protections under the law.
Think on that last line for a bit. Trouble dealing with your insurance company under 0bamacare? Insurance company responds with ...”Well, that's the government mandate.”
Want to go that extra mile to fight your cancer...Doctor responds, “Sorry we can't do that...that's the government mandate.” You can no longer buy a doctor's services. His services don't exist anymore, if we let them continue to define medical care as a “good.”
Well, in my state, I am NOT ALLOWED to purchase insurance across state lines—therefore, my purchase of health insurance sure as heck ain’t a matter of interstate commerce.