Which of the Following Best Describes the Adverse Selection Problem

Which of the following best describes the adverse selection problem in healthcare?

A) People don't know how much they will need to pay for healthcare in old age, adding to the risks of old age.
B) The poor are exposed to medical disasters because they cannot afford to pay for insurance.
C) The people who are selected for jobs with health insurance benefits are often the people who least need the health insurance.
D) Healthier people are less likely to buy health insurance because they are less likely to need it, meaning that a health insurance plan is likely to have the sickest people in it, driving up premiums.