Which scenario best illustrates moral hazard?

1. A Option A: Josephine doesn't buy health insurance because it is too expensive, and she is healthy
2. B Option B: Enzo drives more recklessly after he buys car insurance
3. C Option C: Fatima chooses to attend a well-respected college
4. D Option D: A life insurance company forces Enzo to have a medical examination prior to selling him insurance

Answer checked 11 October 2026 · How we write and check questions