If you read anything on the internet regarding Obamacare, you are certain to see a comment like the above.  Someone inevitably claims that it’s jut like car insurance and therefore perfectly legal.  Every time I see this I want to explode but I’ll just blog about it instead.  There are three fundamental flaws with this analogy:

1)  Car insurance is handled by the state and not the federal government.  This is an important distinction.   As you have probably heard, in Mass they passed a similar healthcare mandate and that’s just fine.  The 10th amendment grants to the states those powers not given to the federal government.   The federal government would be out of line to mandate the purchase of car insurance.  This is where the argument should end as it falls back on itself.  If the federal government can’t mandate car insurance, then they can’t mandate health insurance.  However, there are other points.

2) Nobody said you have to own a car.  Millions of people get around just fine without them. Driving is not a requirement and no car insurance is required if you don’t drive.  The only way (apparently) to get out of the healthcare mandate is to die.
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3) Car insurance is for the protection of others.   The state only requires you to carry liability insurance in case you damage or hurt someone else.  A lender may require you to carry more insurance to protect the lender.   Healthcare is to protect you, so to make this a proper analogy, you would be required to carry car insurance to protect yourself and your property but that is generally not the case.

Please note that I am not familiar with the car insurance mandates of all 50 states.  If your state is somewhat different, I refer you to item number 1 above.