Excerpt: The press and members of Congress have primarily focused on the liability provisions in the two bills, and this is indeed an important area. Consumers need to be able to hold their HMOs legally accountable for the decisions they make. The Norwood-Dingell-Ganske-Berry bill accomplishes this goal; the Fletcher bill falls far short of it. But there are a number of other flaws in the Fletcher bill that have not received adequate attention in the media or on Capitol Hill.

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