After Two Years of Being in Effect by Early 2016

After two years of being in effect by early 2016, one apparent implementation problem that the PPACA faced was that

A) many young people wanted to participate, but most older people did not.
B) many older people wanted to participate, but many younger ones did not.
C) in each state, the pricing structure (health insurance rates) was multitiered and too complex.
D) the health insurance rates created an implicit wealth transfer from older to younger people.