Final answer:
The term that best explains BlueCross's practice of not providing insurance in certain neighborhoods is 'redlining,' which is a form of systemic discrimination against minority communities.
Step-by-step explanation:
The practice of an insurance company such as BlueCross choosing not to provide insurance to residents in poor urban neighborhoods like Pullman and Bridgeport in Chicago is best explained by the term redlining. Redlining is the discriminatory practice where services such as loans and insurance are withheld from people living in neighborhoods that are primarily composed of racial and ethnic minorities. These areas are often marked as 'high-risk' or 'hazardous' for investments, even though residents may have good financial standing, which leads to systemic impoverishment and a lack of opportunities for the residents of these neighborhoods.