BILL ANALYSIS                                                                                                                                                                                                    



                                                                  AB 1600
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          Date of Hearing:   May 10, 2001

                           ASSEMBLY COMMITTEE ON JUDICIARY
                              Darrell Steinberg, Chair
                    AB 1600 (Keeley) - As Amended:  April 30, 2001
           
          SUBJECT  :   HEALTH CARE SERVICE PLANS:  NEGOTIATION OF CONTRACTS  
          WITH PROVIDERS

           KEY ISSUES  :  
           
          1)ARE HEALTH CARE PROVIDERS AT A SEVERE DISADVANTAGE AS COMPARED  
            TO HEALTH CARE SERVICE PLANS IN THE RENEGOTIATION OF THE TERMS  
            OF THEIR CONTRACTS, AND DOES ANY SUCH IMBALANCE AFFECT A  
            CONSUMER'S RIGHT AND ACCESS TO QUALITY, AFFORDABLE HEALTH  
            CARE?

          2)SHOULD HEALTH CARE PROVIDERS BE AUTHORIZED TO RENEGOTIATE  
            CONTRACT TERMS WITH HEALTH CARE SERVICE PLANS ON A CLASS, AS  
            OPPOSED TO INDIVIDUAL, BASIS TO LEVEL THE PLAYING FIELD?

          3)DOES THE BILL SATISFY THE PRONGS OF THE STATE ACTION DOCTRINE  
            WHICH PROVIDES IMMUNITY FROM FEDERAL ANTITRUST LAW FOR  
            ANTICOMPETITIVE CONDUCT REGULATED BY THE STATE?

                                      SYNOPSIS
          
          This bill seeks to rectify perceived imbalances in the  
          negotiating power of health care providers vis-?-vis health care  
          service plans.  The bill allows health care providers to  
          collectively renegotiate contract terms with health care  
          services plans either when the contract is up for renewal, or,  
          if there is no provision for renegotiation, during the term of  
          the contract.  The bill sets forth a clear state policy about  
          the legislative priorities in terms of providing quality,  
          affordable health care for California citizens and the need to  
          maintain the financial solvency of health care provider groups.   
          The bill further declares that the contracting relationship  
          between health care providers and health plans does not further  
          the state's goals, and therefore competing health care providers  
          should be authorized, under active state supervision, to  
          negotiate as a class.  The bill provides that this will enable  
          the state to ensure that health care plan contracts with  
          providers are fair, reasonable, and provide appropriate  
          reimbursement, consistent with the best interests of the  








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          patients.  

          Proponents of this bill assert that it will end the truly  
          anticompetitive process that has been going on whereby health  
          plans were in complete control over the terms of contracts with  
          providers, and providers had virtually no bargaining power.   
          They argue that this has resulted in providers being forced into  
          unfair, unreasonable contracts, which are detrimental to patient  
          care.  Opponents, on the other hand, suggest that it is not  
          appropriate to allow competing providers to negotiate as a class  
          in violation of federal antitrust laws, and that in light of  
          recent state legislation requiring a review of health plans'  
          alternative dispute resolution mechanisms, this bill is  
          premature.

          This analysis suggests that the committee may wish to explore  
          several issues with the author, including, the definition of a  
          "class," who may collectively negotiate, the standard of review  
          exercised by the department of managed health care, and the  
          propriety of referring to the alternative dispute resolution  
          mechanisms defined in the bill as mediation and arbitration.

           SUMMARY  :   Provides an exemption from federal antitrust laws to  
          allow health care providers, as a class, to renegotiate  
          contracts with health care service plans.  Specifically,  this  
          bill  : 

          1)Declares that the Legislature's priorities for health care  
            include the following:  providing access to the highest  
            quality health care for California residents at reasonable,  
            affordable costs; ensuring that administrative costs in the  
            health care service plan and health care provider relationship  
            be as low as possible in order to keep health care costs  
            affordable; and ensuring that health care service plans and  
            health care providers remain financially solvent.

          2)Declares that the current health care service plan and health  
            care provider relationship is not satisfactorily meeting the  
            state's health care priorities in the following ways:  a large  
            number of providers have been economically failing,  
            threatening the quality of health care in this state; too much  
            of a health care provider's time is spent in the  
            administrative aspects of the relationship, reducing patient  
            access to health care; and that the negotiating relationship  
            between health care service plans and health care providers is  








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            imbalanced.

          3)Sets forth the intent of the Legislature to implement a  
            solution to achieve the state's health care priorities.  The  
            solution would allow competing health care providers to  
            renegotiate contracts with health care service plans to  
            improve the balance in the contracting relationship.

          4)Provides that the Legislature intends this solution be  
            consistent with the immunity from federal antitrust laws  
            allowed for "state action."

          5)Expressly allows health care providers, on a class basis, and  
            health care service plans, to agree to negotiate and mediate  
            any contract term or condition upon renewal of the contract  
            or, for those contracts not containing a renegotiation clause,  
            at any time during the contract term.

          6)Provides that if the parties reach an impasse during the  
            negotiations, they may, upon mutual agreement, submit the  
            matter to mediation.  If the mediation is unsuccessful, the  
            parties may, upon mutual agreement, submit the matter to  
            arbitration.

          7)Provides that any arbitration conducted pursuant to the terms  
            of this bill shall not limit the rights and remedies otherwise  
            available to the parties.

          8)Requires the Department of Managed Health Care (DMHC) to adopt  
            regulations for the fair and effective conduct of mediation  
            and arbitration allowed under this bill.  The regulation shall  
            specify factors to be considered by the mediator or arbitrator  
            when resolving the matter, including:  the stipulation of the  
            parties; the interest and welfare of patients; the patent's  
            access to care; the ability of health care providers to render  
            quality health care services; the cost of providing the  
            services; and the reasonableness of the reimbursement rates.

          9)Requires the parties, mediator or arbitrator to file with the  
            department a copy of the negotiated contract, mediation  
            decision, or arbitration award, a statement of reasons, and  
            the evidence submitted during the process.  The department  
            shall review and either confirm, modify or vacate the decision  
            or award.









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          10)Provides that, in determining the appropriate action to take  
            with regard to the review of the contract, decision, or award,  
            the department shall consider whether it is supported by  
            substantial evidence, consistent with the factors set forth in  
            8), above.

           EXISTING LAW  :

          1)Regulates health care providers and health care service plans  
            under the Knox-Keene Act.  (Health and Safety Code section  
            1340 et seq.  All further statutory references are to this  
            code unless otherwise noted.

          2)Defines health care provider as any professional person,  
            organization, health facility, or other person or institution  
            licensed by the state to deliver or furnish health care  
            services.  (Section 1345.)

          3)Sets forth the intent of the Legislature to ensure that  
            California residents receive high-quality health care coverage  
            in the most efficient and cost-effective manner possible.   
            (Section 1342.6; Business and Professions Code section 16770.)

          4)Provides that all contracts between a health care service plan  
            and health care providers shall be fair and reasonable, and  
            shall contain provisions requiring a fast, fair, and  
            cost-effective dispute resolution mechanism under which  
            providers may submit disputes to the plan.  (Section 1367.)

          5)Requires each health care service plan to ensure that its  
            dispute resolution mechanism is accessible to non-contracting  
            providers for the purpose of resolving billing and claims  
            disputes.  (Section 1367.)

          6)Requires DMHC, on or before July 1, 2001, to adopt regulations  
            to ensure that plans have adopted a dispute resolution  
            mechanism that is fair, fast, and cost-effective for  
            contracting and non-contracting providers.  DMHC shall report  
            to the Legislature on or before December 31, 2001 on  
            recommendations for any additional statutory provisions which  
            are necessary relating to plan and provider dispute resolution  
            mechanisms.  (Section 1371.38.)

          7)Makes illegal under the Sherman Act any contract, combination,  
            or conspiracy in restraint of trade or commerce.  (15 U.S.C.  








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            section 1.)

          8)Provides under the state action doctrine, that states may  
            override the national policy favoring competition and provide  
            for state economic regulation which immunizes private parties  
            from violation of the federal antitrust act where the state  
            clearly articulates a policy to displace competition with  
            regulation and the state actively supervises the  
            anticompetitive conduct.  (  Parker v. Brown  (1943) 317 U.S.  
            341;  California Retail Liquor Dealers Ass'n v. Midcal  
            Aluminum, Inc.  (1980) 445 U.S. 97;  Federal Trade Comm'n v.  
            Ticor Title Insurance Co.  (1992) 504 U.S. 621.)

           FISCAL EFFECT  :   The bill as currently in print is keyed fiscal.

           COMMENTS  :   This bill seeks to allow health care providers to  
          collectively negotiate with health plans.  According to the  
          author, this protection (an exemption from federal antitrust  
          law) is necessary because "currently, health care providers do  
          not have the power to bargain equally with health plans since  
          only a few plans control over 80% of the market, giving them  
          substantial market dominance.  As a result of this dominance,  
          plans are able to insist that providers accept contract terms  
          which are unfair, unreasonable and harmful to patient care."   
          The author further notes that "plans are difficult to deal with,  
          acting abruptly and refusing to renew contracts that would  
          provide clarity and fairness in addition to addressing patient  
          care issues.  Saddled with ambiguous and unreasonable contracts,  
          providers repeatedly find themselves in disputes with plans over  
          the interpretation of contract provisions.  This takes time away  
          from patient care and increases administrative costs."  The  
          bill's sponsor, the California Medical Association (CMA) states  
          that this bill will allow providers to obtain contracts that are  
          fair, reasonable and sufficient to assure patient access.

           Health Committee Amendments  .  This bill was approved by the  
          Health Committee on Tuesday, May 8, with the author's commitment  
          that the following amendment would be adopted in the Judiciary  
          Committee:

          On page 5, lines 10-11, delete "shall be referred by the  
          parties" and insert "may, upon mutual agreement by the parties  
          be referred"

           Author's Amendments  .  In addition to the amendment raised in the  








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          Health Committee, the author is submitting the following  
          amendments for adoption by the Judiciary Committee:

          On page 4, line 34, after "federal" insert "and state"

          On page 5, line 2, after the period insert:  "Any contract  
          negotiated pursuant to this section shall be subject to the  
          confirmation process set forth in subdivision (e)."

          On page 5, line 36, strike "Upon reaching the decision, the  
          mediator, or if mediation is unsuccessful, the arbitrator, shall  
          file a copy of the mediation decision" and insert:  "Upon  
          negotiation of a contract, the parties, or upon successful  
          mediation, the mediator, or if the parties agree to arbitration,  
          the arbitrator shall file a copy of the contract, mediation  
          agreement"

          On page 5, line 40 through page 6, line 1, delete "the decision  
          or award.  When considering the award" and insert "the contract,  
          agreement or award.  When considering the contract, agreement or  
          award"

           The Sherman Antitrust Act  .  Federal law prohibits any person  
          from engaging in anticompetitive behavior in restraint of trade  
          of commerce.  However, an exemption from this prohibition may be  
          available in limited contexts.  Specifically, state economic  
          regulation can authorize private parties to engage in  
          anticompetitive practices despite the prohibition on antitrust  
          activities where the state regulation satisfies the "state  
          action doctrine".  This bill declares that it meets the test of  
          the state action doctrine, and therefore the bill's grant of  
          authority to health care providers to renegotiate their  
          contracts on a class basis is not a violation of federal  
          antitrust regulations.  

          Under the state action doctrine (first articulated by the  
          Supreme Court in  Parker v. Brown  (1943) 317 U.S. 341),  
          anticompetitive conduct by private parties may be immune from  
          antitrust violation, but only if authorized by state law and  
          supervised by state officials.  In other words, "[a] state law  
          or regulatory scheme cannot be the basis for antitrust immunity  
          unless, first, the state has articulated a clear and affirmative  
          policy to allow the anticompetitive conduct, and second, the  
          State provides active supervision of anticompetitive conduct  
          undertaken by private actors."  (  Federal Trade Comm'n v. Ticor  








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          Title Insurance Co.  (1992) 504 U.S. 621, 631.)  The theory  
          behind the state action doctrine is that a state may determine  
          if, in particular instances, the competitive market economy is  
          not working to the interest of the state, and state regulation  
          in this particular area is a more appropriate method of  
          achieving the state's goals and the public interest. 

           Does This Bill Satisfy the Prongs of the State Action Doctrine?    
          The bill clearly articulates the state policy and priorities of  
          making quality health care available and affordable, lowering  
          administrative costs, improving the negotiating relationship  
          between health plans and providers, keeping health plans and  
          providers financially solvent, and ensuring patients have  
          continuing access to their own health care providers.  This  
          would seem to clearly satisfy the first prong of the state  
          action test.

          The second prong of the state action test requires that the  
          state engage in "active supervision" of the anticompetitive  
          conduct.  The courts have held that "the active supervision  
          requirement stems from the recognition that where a private  
          party is engaging in the anticompetitive activity, there is a  
          real danger that he is acting to further his own interests,  
          rather than the governmental interests of the State. . . .The  
          requirement is designed to ensure that the state-action doctrine  
          will shelter only the particular anticompetitive acts of private  
          parties that, in the judgment of the State, actually further  
          state regulatory policies."  (  Patrick v. Burget  (1988) 486 U.S.  
          94, 100-101.)

          However, "actual state involvement, not deference to private  
          price-fixing arrangements under the general auspices of state  
          law, is the precondition for immunity from federal law."   
          (  Federal Trade Comm'n v. Ticor Title Insurance Co.  504 U.S. at  
          633.)  A state may not simply rubber stamp the activities of  
          private actors.  "The active supervision requirement mandates  
          that the State exercise ultimate control over the challenged  
          anticompetitive conduct."  In analyzing what level of action is  
          required, the courts have held that "the purpose of the active  
          supervision inquiry . . . is to determine whether the State has  
          exercised  sufficient independent judgment and control  so that  
          the details of the rates or prices have been established as a  
          product of deliberate state intervention, not simply by  
          agreement among private parties.  (  Id  . at 634-635.  Emphasis  
          added.)  








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          This bill requires the state to review the negotiated contract,  
          mediation agreement or arbitration award and either confirm,  
          modify, or vacate the award.  However, in making this decision,  
          DMHC appears limited to determining whether the award is  
          supported by substantial evidence.  California law recognizes  
          different standards for review of regulatory and court  
          decisions.  In some instances, the regulatory body or court is  
          required to exercise its  independent judgment  to determine if  
          the earlier decision was appropriate.  In other cases, a more  
          deferential test is applied, the  substantial evidence test  ,  
          which asks if the decision is substantially supported by the  
          evidence presented.  It may be argued that the court in  Ticor   
          was requiring the "independent judgment" test, and that this  
          bill's substantial evidence review does not meet the rigorous  
          state action test.   The Committee may therefore wish to explore  
          with the author amending the bill  to require the Department of  
          Managed Health Care, when deciding whether to confirm, vacate,  
          or modify the contract, agreement, or award, to exercise its  
          independent judgment to ensure that anticompetitive conduct in  
          each instance is in the public interest and furthers the  
          articulated state policy.

           What Constitutes A "Class"?   In part, this bill comes out of a  
          1998 decision of the trial court in  Anesthesia Care Associates  
          Medical Group, Inc. v. Blue Cross of California  which found that  
          "California law recognizes and permits class arbitration when a  
          large number of plaintiffs have common claims against a  
          defendant."  (Statement of Decision Granting Plaintiffs'  
          Petition to Compel Class Arbitration, affirmed by the court  
          appeal in an unpublished opinion.)  The case expressly allowed  
          health care providers to engage in classwide arbitration with  
          health care service plans.  In that case, however, the court  
          made clear that the "class" was going to be certified by the  
          court, which requires among other things, a showing of that the  
          interests of the class members coincide, and a showing of  
          whether the relationship between the named parties is unique or  
          identical and common with that of all others of the class.   
          (Federal Rules of Civil Procedure, Rule 23.)

          This bill does not envision court intervention or certification  
          of a class, and does not otherwise define the parameters of the  
          proper parties to a class.  According to the sponsor, the class  
          of providers that may collectively renegotiate contracts with  
          health care service plans under this bill may be all providers  








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          in the State of California, or any subset thereof.  This is  
          important because the purpose of allowing collective negotiation  
          is to improve access to quality, affordable health care, keep  
          the plans and providers solvent, and provide for reasonable and  
          affordable health care costs.  The Federal Trade Commission, in  
          commenting on a proposal out of the District of Columbia which  
          similarly sought to permit competing physicians to engage in  
          collective bargaining with health plans, opined that "such an  
          exemption [from the antitrust act] will not ensure better care  
          for patients, and threatens to raise health care costs and  
          reduce access to care."   The Committee may wish to explore with  
          the author  whether the providers who may negotiate collectively  
          as a class should be more narrowly defined to ensure that the  
          state's goals in allowing this anticompetitive conduct are  
          satisfied, or whether the bill's expansive approach is more  
          appropriate. 

           "Mediation" and "Arbitration"  .  The bill authorizes the  
          providers as a class to agree to mediation or, if mediation is  
          unsuccessful, to agree to arbitration.  However the process of  
          mediation and arbitration subsequently described in the bill do  
          not appear entirely consistent with the common understanding of  
          these alternative dispute resolution mechanisms.  For example,  
          the bill provides that DMHC shall develop regulations setting  
          forth "factors to be considered by the mediator . . . when  
          resolving the issues."  Mediators, however, do not consider  
          specific factors.  They may facilitate discussion as to those  
          issues in helping the parties reach resolution, but they do not  
          do so themselves.  The bill further provides that the mediator  
          "shall file a copy of the mediation decision," and a statement  
          of reasons, and that the decision shall be subject to review by  
          DMHC.  Typically, mediations, including the discussions that  
          occur during the mediation and documents that are exchanged, are  
          confidential.  (Evidence Code section 1119.)  This bill would  
          provide otherwise.  Also, although, as described above, review  
          by DMHC is a necessary element to establish the "active state  
          supervision" prong of the state action immunity test, if DMHC  
          controls the ultimate outcome, it is no longer a "mediated  
          agreement".   The Committee may wish to explore with the author   
          changing the terminology used for this procedure to  
          "conciliation" or "facilitated negotiation" and more  
          appropriately specify the role of the "conciliator" or  
          "facilitator."

          The California Dispute Resolution Council (CDRC) informally  








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          noted concerns about the use of the term "arbitration" as well,  
          and suggested that the term "advisory arbitration" be used  
          instead.  CDRC raises concerns that one of the key elements of  
          arbitration is its finality, and under this bill, again, the  
          department, not the arbitrator, determines the ultimate outcome  
          of the matter.   The Committee may therefore wish to explore with  
          the author  his willingness to re-categorize this procedure as  
          well.

           Participants in the Negotiation Process  . The California Nurses  
                                                                              Association (CNA) opposes this measure, noting that "AB 1600  
          raises profound new problems for registered nurses."  More  
          specifically, CNA writes that "these subjects of bargaining have  
          a direct and significant impact on the scope of nursing  
          practice. . . .If physician coalitions gain the sole right to  
          negotiate prices for health care services, the result is  
          predictable.  A larger share of a finite reimbursement dollar  
          would go to physicians, leaving less funding for already  
          under-funded nursing care budgets.  The legislation could  
          empower physicians and HMOs to negotiate cuts in RN staffing,  
          and substitution of less-expensive and less-qualified unlicensed  
          personnel to replace nurses.  This could produce devastating  
          results for patient care."   The Committee may therefore wish to  
          explore with the author amending the bill  to revise the  
          definition of "health care provider," for purposes of this  
          measure only, to include nurses.  This would enable nurses to  
          have a seat at the negotiating table to ensure that the concerns  
          raised by CNA do not materialize. 

           ARGUMENTS IN SUPPORT  :  The California Medical Association (CMA),  
          the sponsor of this measure, submitted the following statement  
          in support of this bill:

            The need for the bill is simple.  We have had the privilege  
            of one of the best health care delivery systems in the world  
            in our own back yard. . . .But now California's health care  
            delivery system is falling apart before our eyes.  The  
            California Medical Association has called a "Code Blue" on  
            the health care delivery system in our state. . . .

            During the last decade, dozens of health plans merged to  
            leave us with seven health plans controlling the market. . .  
            .In their eagerness to gain marketshare, these plans cut  
            reimbursement for providers to the bone.  In many instances  
            reimbursement now does not cover the cost of care.   








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            California courts have held that plan contracts are  
            "contracts of adhesion" with little to no opportunity for  
            the providers to negotiate.  Providers need these contracts  
            in order to see their patients, and cannot simply refuse to  
            contract. . . [T]here are substantial ongoing unresolved  
            contract and operational issues.  These unresolved issues  
            add administrative costs and affect the ability to deliver  
            patient care. . . 

            Physicians need to be able to negotiate both contract terms  
            and rates. . . .As a handful of health plans control the  
            market and the physician's access to patients, there is  
            little choice but to sign even a bad contract. . . .We must  
            find a way to correct this market imbalance.  When the  
            state's interests are being injured by the competitive  
            market, the state can displace unfair competition with a  
            state program.  This bill authorizes and outlines the  
            program. . . .The bill creates a mechanism for better  
            contract renegotiations. . . .AB 1600 could have a  
            significant influence on a clearly dysfunctional market.

          The California Academy of Family Physicians notes that this bill  
          "provides an opportunity for more constructive dialogue between  
          health plans and physicians without requiring a plan or  
          individual physician to remain in an untenable contractual  
          relationship.  We believe AB 1600 may be a key element towards  
          ensuring the fairness and success of managed care in  
          California."

          The California Podiatric Medical Association echoes these  
          reasons, and notes that "health providers need to be empowered  
          with the tools to protect themselves in the current managed care  
          environment. . . .In a market so dominated by a few large  
          managed care companies, it is important for health care  
          providers to have a mechanism to raise issues associated with  
          the contracts between the plans and providers.  AB 1600 provides  
          that mechanism.  AB 1600 provides a flexible, fair, fast and  
          effective way for providers to resolve disputes when dealing  
          with a partner of superior market strength."

           ARGUMENTS IN OPPOSITION  :  The California Association of Health  
          Plans strongly opposes this measure, writing that:

            This bill establishes a broad right for physicians and other  
            provider groups to engage in activities that are otherwise  








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            barred under federal anti-trust law, including such  
            practices as price fixing and boycotts. . . .When competing  
            doctors - or any other profession - are allowed to meet  
            secretly and discuss much money they would like to be paid,  
            it is called price fixing, it is illegal, and it is the  
            focus of federal anti-trust enforcement efforts across the  
            country. . . .

            We note that federal legislation authorizing the same form  
            of antitrust exemption AB 1600 would enact drew wide  
            opposition last year.  The Consumer Federation of America,  
            the Clinton Administration Department of Justice, the  
            Federal Trade Commission, and groups representing both  
            business and labor all opposed that earlier effort - exactly  
            because of the serious and harmful consequences that  
            collusion produces. . . .

            [Further, u]nder current law, health plans already are  
            required to have a dispute resolution process in place.   
            Under last year's legislation . . . this dispute resolution  
            process was made broader and more comprehensive, and is now  
            subject to oversight by the Department of Managed Health  
            Care.  Regulations to enforce these requirements are due  
            from the administration in two months.  Accordingly, we are  
            puzzled at what dispute resolution improvements are sought  
            in AB 1600 - or the need for them, at least at this point."

          Consumer Federation of California (CFC) also raises concerns  
          about this measure, writing that AB 1600 "has a laudable goal[:]  
          . . . to reduce the leverage of the health plans and the  
          pressure they put on physicians to accept unreasonable  
          compensation. . . .[However, we] fear that under this bill, the  
          economic incentive to collude against consumer interests would  
          be too great to resist for even the most well-intentioned  
          physicians.  CFC is concerned that this bill could authorize the  
          creation of health cartels, not unions.  The bill could hurt  
          consumers and taxpayers by raising the cost of both private  
          health insurance and government programs with no assurance that  
          quality of care would be improved."

          Health Net also opposes this bill, writing that "AB 1600 would  
          allow otherwise competing providers, including those not party  
          to a contract, to join together to coerce health plans to  
          bargain with them and would prohibit these providers from  
          agreeing to boycott the plan.  This aggregation of economic  








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          power is the evil prohibited by anti-trust laws, which are  
          designed to protect consumers from the harm caused by concerted  
          economic action by economic parties that are expected to  
          compete, not conspire, for economic gain."

           REGISTERED SUPPORT / OPPOSITION  :   

           Support 
           
          California Medical Association (sponsor)
          California Academy of Family Physicians
          California Podiatric Medical Association
          American Academy of Pediatrics, California District
          California Dental Association
          University of California
          California Psychological Association
          California Psychiatric Association
          American College of Obstetricians and Gynecologists, District IX
          California Chiropractic Association 

           Opposition 
           
          California Association of Health Plans
          PacifiCare
          California Nurses Association
          Consumer Federation of California
          Blue Shield of California
          American Medical Group Association
          California Association of Physician Organizations
          National Independent Practice Association Coalition
          Health Net
          Health Insurance Association of America
          Blue Cross of California
          Association of California Life and Health Insurance Companies
          California Chamber of Commerce



           Analysis Prepared by  :    Donna S. Hershkowitz / JUD. / (916)  
          319-2334