By Early 2016, After PPACA Had Been in Effect for Two

By early 2016, after PPACA had been in effect for two years, one major problem that became apparent was that

A) many employers were limiting workers to only part-time work to avoid the expensive employer mandate.
B) most states quickly set up their PPACA-related insurance exchanges without properly vetting applicants.
C) insurance exchanges in many states were swamped with applicants, resulting in severe resource problems.
D) the government had to close down many states' insurance exchanges due to abuses.