D. habits and standards that shape how you live is your best answer
Lifestyle is the way you live your life, and the way you live your life is based off of your habits, standards, beliefs, decisions, etc.
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Answer:
Moral hazard.
Explanation:
Moral hazard is the concept of somebody changing their actions to the detriment of another after a financial transaction, getting health insurance in this case, has taken place. Meaning acting differently than normal in a situation in which one party gets involved in a risky event knowing that it is protected against the risk and the other party will incur the cost, as opposed to taking less risks if they know they are not protected, leading to that person doing what benefits them the most instead of doing what is right.
