Ethical Challenges in the Era of Health Care Reforms-By Vicki D. Lachman. The article is brief look at the reforms that are involved in the Affordable care Act (ACA) as far as patient protection is concerned in the fields of insurance cost, insurance choices, the people aged 65 years and over and rights and protection of the beneficiaries of the healthcare reforms. Writer highlights the provision of the comprehensive health cover as one that provides affordable insurance exchanges through which the individuals as well as small businesses can purchase insurance through these exchanges, and organizations or business that have more than 50 employees need to avail insurance. It also highlights the consumer operated and oriented cover plan which works well for the covered individuals. The reforms are also highlighted as giving hope to people with pre-existing conditions. Further discussed is the fact that young adults can be covered in the cover of the parents to the age of 26 years.

The article further analyses the fact that the insurers are now required to justify their costs through the rate reviews, it also ensures value for individual's premium contributions as well as the removal of the annual limits. On the rights...

The ER can be accessed without previous arrangements whether one is out-of-network and are free to choose the primary care giver to attend to their cases. The citizens who are above 65 years are also well catered for according to the article since they can access a range of preventive services.
The writer further gives the ethical justification of the comprehensive health care plan and shows why the free marketers and their belief in personal responsibility is not a workable plan in the U.S. and has no ethical justification to be retained in the country. He also justifies the additional cost and points out that the plan will help improve the infant mortality rates and bring the U.S. higher in the ladder in terms of infant mortality rater prevention.

The author winds up by reviewing the ethical challenges that may be experienced by this health care plan, which include the electronic medical records which are a requirement and yet may bring up the issue of privacy as an ethical concern. Chronic disease management which is depicted as being managed by laws in the plan also raises…