ide such coverage to all uninsured persons (Congressional Quarterly, 1991, p. 1381); and (2) prohibit health insurance companies from excluding whole classes of businesses or certain individuals from coverage because of high risk characteristics redlining, and to require that health insurance be provided to these businesses and individuals at costs comparable to those charged to other businesses and individuals (Rovner, 1991c, pp. 1507 1509). The proposal to require employers to either provide health care coverage for employees and their dependents or pay into a fund to provide such coverage for all uninsured persons affects the concept of universal coverage as well as constituting an innovation in the approach to health care insurance. Similarly, the proposal to prohibit the practice of redlining affects the concept of mandated minimum benefits as well as constituting an innovation in the approach to health care insurance.
With respect to delivery system reorganization, the principal generic proposals are to: (1) establish spending targets for health services, an action that, in effect, would create schedules of fees for services that would be negotiated between health care funders and health care providers (Rovner, 1991a, p. 1450; Rovner, 1991c, pp. 1507 1509); (2) establish a national network community health centers to deliver health care services to low income individuals (Rovner, 1991c, pp. 1507 1509); and (3) both limit the conditions under which malpractice claims may be lodged against health care providers, and cap the level of malpractice awards (Rovner, 1991c, pp. 1507 1509). The proposal to establish community health centers affects the concept of universality as well as constituting a reorganization of the health care delivery system, and is a component of "N
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