Which of the Following Is an Example of Adverse Selection

Which of the following is an example of adverse selection in the private health insurance market?

A) Consumers regularly engaging in bungee jumping but being able to hide it from their insurer, who developed premiums based on the average utilization rates of that large group in the past.
B) Consumers anticipating regular (twice a year) visits to the dentist for preventive care but being able to hide it from their insurer, who developed premiums based on the average utilization rates of that large group in the past.
C) Young and healthy consumers having access to multiple plans offered by the employer (from low-priced HMO and high-deductible plans to higher-priced PPO) and ultimately choosing the most comprehensive PPO plan.
D) Elderly people enrolling in Medicare.
E) Poor family enrolling their chronically ill children in Medicaid.