you are asked to prepare a reflection paper on the topic of the unit lesson. Discuss the need forhospital and physician professional liability coverage (malpractice insurance) in American health care today. Make sure to cover the following points: Why is malpractice coverage so extremely expensive today? Do you feel that the need for liability insurance adds to or detracts from the patient care that is provided?Your response should be at least one page in length. All sources used, including the textbook, must be referenced;paraphrased and quoted material must have accompanying citations per APA standards.