Another reason used by conservatives to justify not creating a National and Universal Health Care program is that providing everyone a guarantee of health care creates a “moral hazard.”
In law and economics, moral hazard is the name given to the increased risk of problematical (immoral) behavior, and thus a negative outcome ("hazard"), because the person who caused the problem doesn't suffer the full (or any) consequences, or may actually benefit. Such a concern typically arises in the context of a contract (for example, an insurance policy).
The moral hazard theory states that a consumer that has insurance is more likely to engage in more risky behavior than if he did not have any insurance at all. The logical problem with the moral hazard theory being applied to health care is that it is a fallacy to think that the consumer failing to utilize the insurance available the consumer “does not suffer the full (or any) consequences” of not seeking care. On the contrary, the consumer risks having any potential problem fester and metastasize into something much worse.
On the argument that consumers will engage in more risky behavior if they are insured belies the observation of human behavior throughout history. Mankind is comprised of risk-taking creatures -- especially in the United States. The risk-taking nature of our civilization is arguably part of what makes us successful. From bungee jumping to using recreational narcotics, our civilization is full of people who, for the thrill of it, engage in irrational risky behavior. It defies scientific observation of human activities to say that imposing medical costs onto people will persuade them to stop engaging in risk-taking adventures.