demand for insurance application model

The topic: Perform the analysis in the application for the demand for insurance using the suggestions there to build a paper.
And i have attached the proposal that i wrote and the information that professor gave us and his comments for my proposal is belowing: I think this is a good proposal. You should look at moral hazard and adverse selection as issues in the demand for insurance and how some people might decide to pay a penalty to not have health insurance rather than pay for coverage.
That’s his comments. And please try to use some model for demand for insurance if you guys can find some from online. Hint: you guys can find some additional information from attached files.