All statements in the following list are wrong. Briefly explain what is wrong with each statement.

(a) If the individual mandate for purchasing health insurance and the fine for violation were upheld, the moral hazard problem that plague the insurance market would be drastically reduced.

(b) Empirical observations indicate that people on unemployment insurance on average have longer unemployment spells than those not receiving UI benefits. This implies that the generosity of the program should be reduced.

(c) Assume that UI causes individuals to become "pickier" about their job choices, passing up jobs that are less pleasant or pay less wages. While everyone would like to have nice jobs, this increased picky-ness is socially inefficient.

(d) Under Affordable Care Act, government subsidize all individuals and families below certain income threshold who purchase health insurance through ACA exchange.