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Furthermore, another ethical and financial issue discussed is whether it is acceptable for employers to raise deductibles and co-payments for their…
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Homework Homework A. Discuss the major ethical, financial, and legal issues raised by this article. (40 points) The ethical issue presented in this article is whether the health insurance companies are justified in increasing health premiums. Furthermore, another ethical and financial issue discussed is whether it is acceptable for employers to raise deductibles and co-payments for their employees while at the same time reducing the benefits (Abelson, 2011). An ethical and financial concern too is the way Americans are putting off health care because they would rather put their money on food and other basic necessities than spend extra to go and see a doctor.
The major financial issue raised in this article is the increasing cost of health insurance and the high profits earned by health insurers despite the reduction in the availment of medical care by most Americans (Abelson, 2011). One other issue is whether health insurance companies should already be charging high premiums because they expect a rise in the pay outs they will be giving in the future.
A legal issue conveyed in the article is about the effect of the health care law on the high premiums presently being charged by health insurers. Is it legal for these companies to be increasing charges already to cover the federal laws’ provisions?
B. What are doctors’ legal and ethical responsibilities to their patients under their licenses?
It is the legal responsibility of a doctor to maintain confidentiality of the medical records of his patient. It is also his legal duty to practice his profession within the scope of his training and capabilities. A doctor must work within the guidelines of the employer’s health care contract and the government’s health care legislations.
The ethical responsibilities of the doctor to his patient include providing compassionate health service which respects the human dignity. A doctor must be honest to his patients. They
have the ethical responsibility to respect the rights of their patients and obtain the assistance of other health professionals when needed.
C. Why are insurance premiums rising when patients’ demands for care are decreasing?
Insurance premiums are rising even when patients’ demands for care are decreasing because the insurance companies are preparing themselves from any sudden rise in demand when the economy improves and the people have more money to spend on their health needs (Abelson, 2011). Some observers are also saying that the insurance companies are already preparing for the full enforcement of the health care law in 2014 where they expect to earn less when coverage will be more accommodating (Abelson, 2011).
D. If patients are postponing preventive tests, what are the likely future effects on their health?
If patients are postponing preventive tests, later on it might affect the quality of their health. This is quite alarming because the possibility of curing some illnesses increase with early detection. In the long run, the amount they think they are saving from postponing preventive test may not even be enough to cure future diseases they may acquire. Delaying preventive tests can cost the patients more financially and will have a negative impact on their health.
E. What are the likely effects of much higher deductibles on patient care? (5 points)
The likely effects of much higher deductibles on patient care are the decrease in the availment of health care service. As indicated in the article, some people will tend to postpone getting preventive tests. Patients will most likely avail of generic medicines rather than branded ones.

References
Abelson, R. (2011, May 13). Health insurers making record profits as many postpone care. New York Times . Read More
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