Universal healthcare gains unlikely backer

* Tax deductions for individuals who buy insurance

* Costs of care revealed to consumers

Gov. Arnold Schwarzenegger

* Health insurance required for everyone

* State-subsidized insurance for those with low incomes

* Companies with 10 or more workers provide insurance or pay into a state fund

* Incentives for healthy behavior and prevention

* Insurers could not refuse to sell policies to anyone or charge unhealthy people more

* Insurers spend at least 85% of premiums on healthcare

* Increased state payments to doctors and hospitals that treat the poor

* Fees assessed on earnings of hospitals and doctors

* State-subsidized insurance for all children from low- and moderate-income families

* Tax-free savings accounts allowed for the purchase of high-deductible insurance

Democratic leadership plans*

* Almost all employers must provide health insurance or pay into a state fund

* Workers must accept employer insurance if offered (Assembly plan only)

* Insurers spend at least 85% of premiums on healthcare

* State-run insurance purchasing pool

* Incentives for healthy behavior and prevention under state-arranged insurance

* State insurance for all children from low- and moderate-income families

* Mandatory insurance for families with moderate incomes or higher (Senate plan only)

* Insurers could not refuse to sell policies to anyone (Senate only)

* Insurers must offer some plans with uniform benefits (Assembly only)

Republican lawmakers' plans*

* Expand neighborhood healthcare clinics to ease emergency room crowding

* Tax-free savings accounts allowed for high-deductible insurance

* Increased state payments to doctors and hospitals that treat the poor

* Medical providers get tax credit for unreimbursed treatment

* Reduction of mandates on what insurers cover

* Help for small businesses that join to buy insurance (Assembly only)

* Employers may buy combined health and worker-compensation coverage (Assembly only)

* Preexisting conditions covered (Assembly only)

* All First Five funds spent on children's healthcare (Senate plan only)

Other legislative

proposals

* Private insurers replaced with a state-run system (bill pending in Senate)

* Premium increases regulated like auto coverage rates (bill pending in Assembly)

* Leaders of the Senate and Assembly have separate plans; provisions exist in both plans unless otherwise noted

Source: Schwarzenegger administration; California Senate and Assembly; Coalition to Advance Healthcare Reform