The Passage in 1996 of the Health Insurance Portability and Accountability

The passage in 1996 of the Health Insurance Portability and Accountability Act had which of the following consequences on costs?

A) They rose for employer-provided health insurance because the adverse selection problem became more severe.
B) They fell for employer-provided health insurance because the moral hazard problem became more severe.
C) They rose for employer-provided health insurance because the principal-agent problem became more severe.
D) They fell for employer-provided health insurance because the principal-agent problem became less severe.
E) They rose for employer-provided health insurance because the moral hazard problem became less severe.