Excellent MaggieMae. Let's explain what that actually means.
In order to invoke the "Necessary and Proper Clause" (Article 1, Section 8, Clause 18 of the US Constitution), one must first demonstrate that the law in question is being directly applied to "the foregoing powers" specifically enumerated in Article 1 Section 8, or elsewhere in the Constitution. As bailout or healthcare are not specifically enumerated anywhere in the Constitution (at this time), the necessary and proper clause cannot be applied.
The same applies to the "general welfare clause". In order for something to be considered part of the "general welfare", it must first be shown to be a part of one of the specifically enumerated powers in Article 1 Section 8 or elsewhere in the Constitution.
As Obama himself has stated, the Constitution is a list of "negative rights" that tell us what the federal government and the states cannot do unless We The People have previously specifically authorized them to do so in the Constitution. Regardless of what it is, or how popular the "cause du jour" may be, lacking such specifically enumerated authorization, the government may not constitutionally do it. Period.