One of the goals of the Affordable Care Act (ACA) was to increase insurance coverage in the United States. This was accomplished through a variety of policies: expanding Medicaid eligibility, requiring insurers to cover dependent children until age 26, creating health insurance exchanges, and a tax penalty for being uninsured. If the theory of moral hazard is correct, how would you expect the gains in insurance coverage to affect health behaviors such as smoking, drinking, exercise, and healthy eating habits? What would explain why moral hazard might not occur after the large gains in insurance coverage?