President Obama’s health care overhaul was passed with the promise to end the ability of insurance companies to exclude individuals with “pre-existing conditions” and to reduce the number of Americans without insurance. That the U.S. Supreme Court could overturn the law this month is no reason to panic, however: Both problems can be addressed without the need for another 2,700-page law.Many of the uninsured are unable to pay for the full cost of the care they receive, leaving the rest to be covered by taxpayers or cost shifted to others. This is a particular challenge in rural and inner-city areas.The uninsured do pay a portion of their bills, but studies have found that a full-time uninsured individual receives about $1,500 in unreimbursed care, on average.