Moral hazards occur whenever having insurance leads you to increase the amount you spend, in this case on health care. In Health Economics, moral hazard most commonly refers to an increase in the utilization of medical services that results from being insured. Let us assume that you (Spouse and you, significant other's insurance covered you, etc.) had more health insurance than you presently have or need. 

Would you then go for more voluntary medical visits, treatments, etc. due to this added insurance? Why? Why not? How do you think moral hazard contributes to healthcare spending?