Which of these shows moral hazard in providing health insurance?

A) Failing to mention your child's asthma, in hopes of getting care more completely covered by insurance
B) Hiding the fact that you smoke in order to get less expensive insurance
C) Eating whatever you like, with the thought that cholesterol-lowering drugs will take care of any adverse effects
D) Refusing to get health insurance, even if that means paying a fine or fee of some type