Republicans have been campaigning in Congress and in the presidential campaign to “repeal and replace” Obama’s health care law. But so far, they have failed to answer a central question. Replace it with what?

So far, many states have begun establishing exchanges, but a few states – most notably Florida, Alaska and Louisiana have said they absolutely will not establish exchanges of their own. So a state with perhaps more seniors than almost any other, Florida, is leaving this up to the federal government to set up an exchange.