One Reason Why Adverse Selection Problems Arise in the Market

One reason why adverse selection problems arise in the market for health insurance is because

A) sick people are more likely to want health insurance than are healthy people.
B) fewer people are choosing careers in the medical field because of increases in the cost of education.
C) as people live longer, a greater portion of their medical bills will have to be paid by younger generations.
D) advances in medical technology are costly, and drive up the price of medical insurance.