Looks at 12 key HMO consumer protection issues & provides the actual text of the best provisions of different states laws which address these issues. Addresses: access to, & provision of, emerg. serv.; use of specialists as primary care physicians & access to appropriate speciality care; adequacy of provider networks; continuity of care following enrollment & contract termination; access to experimental & investigational proced.; utilization review/referral systems; HMO internal quality assur. plan; data reporting; provider financial risk arrange.; disclosure of info.; grievance/appeal protections; & provider protections.