Social, legal and medical developments involving surgical and chemical [RU-486, Preven (the “morning after pill”)] abortion, contraception, euthanasia, withdrawal of treatment or feeding on futility of treatment grounds, assisted suicide, blood transfusions, organ transplants, human subject research, sex-change surgery, embryonic stem cell research, cloning, pre- implantation genetic screening, vaccinations, autopsies and mandated health care insurance coverage laws have put health care providers, health care insurers, medical researchers and health care insurance plan participants in the vortex of some of society’s most controversial moral dilemmas and “breath-taking” decisions.