Gov. Arnold Schwarzenegger's expansive plan to reform the state's health insurance system seems to contain a carrot and a stick for everyone.

The proposal would give most of California's 6.5 million residents without insurance access to some form of health coverage, but the price might be high for some.

For example, hospitals and doctors would receive more money for taking care of poor patients, but they would have to pay new fees to the state. Insurers would get more business, but they wouldn't be able to turn away high-risk customers with pre-existing illnesses.

“There's something for everybody to love in this proposal, and there's something for everyone to hate,” said Ann Kuhns, Blue Cross of California's vice president for state affairs.