Did you really just use that as your justification?
Insurance is a mehcanism to pay for health care coverage.
The insurance is not legally sold across state lines therefore the govt has no pervue to regulate it under the interstate commerce clause.
It doesn't matter that policies aren't sold across state lines. The company's tailor their products to form to local requirements. The companies themselves (Anthem, United, Kaiser Permanente) are all national firms.
1) It does matter because if you aren't selling the product across state lines, also known as conducting interstate commerce, then the congress has no authority to regulate it under the interstate commerce laws.
2) My insurance company is 100% in Massachussettes, why should congress be able to regulate me under the interstate commerce clause if my company is based here, only sells policies here, my doctors are here, and I don't leave the state for health care?
Except that the policies are interstate commerce. Conforming to local requirements doesn't change the fact that than a Connecticut firm is selling policies in Maine and Minnesota.
I believe you've said previously that Aetna is your ensurer. Aetna is based in Connecticut.