Replacing Unemployment Insurance with Mandated Worker Self-Insurance Accounts Is Potentially

Replacing unemployment insurance with mandated worker self-insurance accounts is potentially beneficial because:

A) unemployment occurs primarily when workers are older,thus at a time when their self-insurance accounts would be sufficiently large.
B) moral hazard would be less than under a public unemployment insurance system.
C) adverse selection would be less than under a public unemployment insurance system.
D) both moral hazard and adverse selection would be unlikely to occur if workers self-insure.