Back to the problems surround Moral Hazard and the ACA. 

On the collegiate level, moral hazard is comparable to a student who has all costs for tuition, books and housing expenses already paid by someone else. 

The bills will be paid even if the student decides to skip class, homework or other collegiate responsibilities. Moral hazard states, the student in the situation above is more likely to avoid working as dilligently as he should in order to suceed. 

Conversely, if the student is paying his way for college he will be more apt to go to class, study more vigerously and eventually graduate.  

  

In the case of the Afforadable Care Act, the propensity for moral hazard seems to be highly probable with the insuree taking greater risk knowing that the insurer must provide coverage. The root cause of this problem shows itself in the pre-existing conditions policy. 

If an individual can claim a pre-existing condition and cannot be turned away then what is the incentive to get insurance and pay premiums until an accident or injury occurs?

Think about it...