Affordable Care and Patient Protection Act

Yes, I know this has been done to death.  But regardless of the SCOTUS (Supreme Court) decision next week, the issues with health care in this country will go on. 
The crux of this issue is the question, what do you do with the uninsured?
The solution of the Obama Administration is to take the 30 million or so uninsured, insure them, and spread the cost across the greater population and use the individual mandate to pay for it.  The Congressional Budget Office, at the request of the Administration has reported that doing so will reduce overall costs in health care.  That might happen, but if it does, economics demands that it will be at the expense of service and medical progress.  Adding 30 million individuals to the roles can only mean that costs go up.  Yet if costs are held in check (controlled), then service and investment in research and development must decline.  I don't think that's what anyone wants in America.
So again, what do you do with the uninsured?
The only solution is to incent the uninsured to buy insurance.  Yet everyone knows that for many of these folks affordability is out of the question.  So there remain two problems to solve in health care which have simple, but radical solutions; reduce the cost of insurance and incent every individual to buy insurance.
The first is to open health insurance sales outside of state lines so that companies can compete nationally for the uninsured and those currently insured.  The latter can be achieved by uncoupling health insurance from employment, increasing pay commensurate with corporate costs to compensate employees for having to provide their own insurance, and thereby making health insurance in the United States truly market and need based.
The second issue is that of then incenting individuals to buy insurance at all.  This can be achieved not my mandating, taxing, or penalizing, but by educating.  Today, the sole factor that disincentivizes individuals, particularly the young, from buying at least catastrophic coverage is the fact that they can walk into any emergency room and be treated, essentially at the cost of the insured.  This is because of a law that requires hospitals and clinics to treat individuals whether they can pay or not.  What if that was not the case?  What if these institutions were required only to offer palliative care and nothing more?  What if an individual who walked in with cancer were given pain medication and made comfortable, but would be offered nothing more?  What if an individual who walked in with a broken arm had his bone set and was given pain medication but nothing more?  Many Americans have not yet learned the simple lesson that is fundamental to a culture of personal responsibility and that lesson is why you need insurance in the first place.  Once you teach that, people will recognize that carrying health insurance in some form, tailored to them by the marketplace, is in their self interest.  Providing medical care, essentially for free will never teach it.  Only a complete change of view of the principles of insurance coverage will do that.  Educate, and people will do what is best for them on their own, not through government force.