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Photo: Associated Press (Jim Cole)

(Bloomberg View) — After talking about it endlessly, Republican presidential candidates are finally starting to get specific about how they intend to replace the Affordable Care Act. Wisconsin Governor Scott Walker released his plan last week. As the reaction to it shows, Republicans have to be ready with answers to a lot of hard questions.

One of the most crucial: How would they protect people with pre-existing conditions? Left to their own devices, after all, insurers have an incentive to charge higher premiums to potential customers who already have chronic health conditions — or not to offer them coverage at all.

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