WASHINGTON (October 9, 2012)--Republican presidential candidate Mitt Romney says he has a plan to help people with pre-existing medical conditions get health insurance, but there's a huge catch because to get insured, they would have to be covered in the first place.

For those with a a significant break in health insurance coverage, an insurer still could delve into medical histories and such common conditions as a bad back or high blood pressure could lead to denial.

Compared with Romney's approach, President Barack Obama's health care law guarantees that people in poor health can get coverage at the same rates everybody else pays, and it provides financial help for low- to middle-income households.

The law says that, starting Jan. 1, 2014, an insurer "may not impose any pre-existing condition exclusion."