Let’s simplify it:
The feds cannot use the Commerce Clause to mandate that you purchase something.
But that no longer matters. The Supreme Court has ruled that the feds can mandate that you purchase anything the feds want you to purchase. All they have to do is to impose an onerous tax on you if you do not purchase what they tell you to purchase.
This is a fundamental change in American law.
It is a lot like Shirah law in Muslim countries. Everyone in these countries has what they call “freedom of religion.” But if one chooses a religion other than Islam they must pay an onerous tax and cannot hold office.
Jack C. McVickers