Voters' Anger at H.M.O.'s Plays as Hot Political Issue
Public anger over state of managed care has become hot issue in 1998 election campaigns, with Democrats and few Republicans seizing on consumer complaints and calling for sweeping patients' bill of rights; candidates in primaries and general elections for governor and Congress, in at least score of states, typically are promoting access to more doctors, right to appeal managed care organizations' decisions on restricting care to impartial tribunals, and freedom to sue organizations for malpractice; photos (M)