My thoughts exactly.. This is what happens when you shit on the Constitution for too long.. You develop a legal precedent for shitting. Notice here, track 1 is already considered a legitimate function of Congress.. Regulating insurance companies is their business. Telling them what they must offer is considered legitimate, inter-state, or even intra-state, "commerce" and thus completely within the realm of Congressional authority. Never mind that States have Governors and legislatures which are perfectly capable of dealing with this sort of thing.. and doing so Constitutionally. We have a precedent.. and the SC will surely not shoot down track one of this argument.