By Ricardo Alonso-Zaldivar

WASHINGTON (AP) - 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: You basically have to be covered in the first place.

If you had a significant break in health insurance coverage an insurer still could delve into your medical history, looking for anything from a bad back to high blood pressure that could foreshadow future claims. They'd be able to turn you down.

That's a contrast to President Barack Obama's health care law, which guarantees that people in poor health can get comprehensive coverage at the same rates everybody else pays, and provides government subsidies to help low- to middle-income households pay premiums.

Starting Jan. 1, 2014, an insurer "may not impose any pre-existing condition exclusion," the law says.

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Big gap in Romney health plan