You are trying to make it seem as if Congress has no power to do anything other than that which is explicitly granted in the Constitution, which is comically untrue.

The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.

That this Assembly doth explicitly and peremptorily declare, that it views the powers of the federal government, as resulting from the compact, to which the states are parties; as limited by the plain sense and intention of the instrument constituting the compact; as no further valid that they are authorized by the grants enumerated in that compact; and that in case of a deliberate, palpable, and dangerous exercise of other powers, not granted by the said compact, the states who are parties thereto, have the right, and are in duty bound, to interpose for arresting the progress of the evil, and for maintaining within their respective limits, the authorities, rights and liberties appertaining to them.

"Resolved, That the several States composing, the United States of America, are not united on the principle of unlimited submission to their general government; but that, by a compact under the style and title of a Constitution for the United States, and of amendments thereto, they constituted a general government for special purposes -- delegated to that government certain definite powers, reserving, each State to itself, the residuary mass of right to their own self-government; and that whensoever the general government assumes undelegated powers, its acts are unauthoritative, void, and of no force: that to this compact each State acceded as a State, and is an integral part, its co-States forming, as to itself, the other party: that the government created by this compact was not made the exclusive or final judge of the extent of the powers delegated to itself; since that would have made its discretion, and not the Constitution, the measure of its powers; but that, as in all other cases of compact among powers having no common judge, each party has an equal right to judge for itself, as well of infractions as of the mode and measure of redress."

"Health Care Won't Be So Damned Expensive"

Health care is ridiculously overpriced today (at least in the US). If health care wasn't so expensive, we wouldn't need health insurance for simple things like annual exams or a trip to the doctor's office for the occasional infection. We would still need health insurance for the things that might (but probably won't) happen -- such as injuries requiring major surgery. But that health insurance would be much less expensive because the insurance companies would not need to cover nearly as many health care expenses.

I'm glad that we're coming up with new ways to pay for the high costs of health care, but what we really need to do is figure out how to bring those costs down to a reasonable level. Hopefully we will have figured that out 100 years from now.