What are the main determinants in health disparities and how can these be modified to improve health status and create health equity in society?

Define moral hazard and give an original example. Do you agree with this concept of moral hazard, explain your answer?

What are the main determinants in health disparities and how can these be modified to improve health status and create health equity in society? In addition to what is in the text, elaborate on these determinants and solutions based on observations that you have made in your own life.