@ Michael Chase: And another question would be does the Commerce Act and its enforcement by Congress also apply to corporations such as insurance agencies?
In other words, does the Act allow congress a constitutional right to force insurance carriers to actively seek out low margin clients and offer them healthcare without offering to subsidized the cost? I mean there’s a reason why poor people have no healthcare insurance. I think the mandate along with the subsidy is necessary as a package in order to make this group more attractive to the private sector health carriers, if not to make a whirlwind profit then at least not to lose any money.

Industries are perfectly capable of making such a move, and the process will engender the competition that will be an engine for cost and service improvements.