After reiterating his promise to repeal and replace Obamacare, Donald Trump has indicated he may keep two of the law's most popular provisions. One is straightforward enough — children up to the age of 26 being allowed to stay on their parents' plan. The other — preventing insurance companies from denying covering because of pre-existing conditions — offers a perfect illustration of why Trump and most of the other Republicans critics of Obamacare don't understand the health insurance market.