Government-subsidized healthcare services can create a​ free-rider problem in the healthcare market because​ ______.

a. people would cancel private insurance policies and use​ government-subsidized coverage when they are sick

b. when hospitals receive payment from a​ government-subsidized program, the hospital has less incentive to carry out medical research

c. the supply of healthcare would increase

d. when hospitals receive payment from a​ government-subsidized program, the hospital is less efficient