The majority of the people of dalmatia were unable to access critical medical care. consequently, the mortality rates were high. this prompted the government to adopt a health insuranceprogram, under which the necessary medical expenditure for critical illnesses for every citizen would be borne by the government. at the end of the first year after the policy shift, health statistics revealed that the program had a very small impact on the mortality rates in this country. which of thefollowing, if true, would explain this outcome?

a. the country witnessed an increase in the use of preventive medication for critical illnesses.
b. the hospitals in dalmatia were operating at full capacity at the time the program was announced.
c. other neighboring countries also did not experience any major shifts in mortality rates during this period.
d. the government faced an adverse selection problem because sick people were more likely to want coverage under the program than healthy people.
e. after the implementation of this health insurance program, the government had to borrow from international agencies to fund other expenditures.