What Form Does the Adverse Selection Problem Take in the Healthcare

What form does the adverse selection problem take in the healthcare market?

A) Buyers can buy as much health care as they want.
B) Sellers can sell as much health care as they want.
C) Buyers and sellers face delays when interacting.
D) Sellers are less likely to provide care because they know it is expensive.
E) Buyers that are less healthy are more likely to seek insurance because they anticipate needing medical care.