Select all the correct statements below.

Group of answer choices

A. Goda and colleagues (2016) found that the ACA dependent coverage mandate resulted in lower earnings.

B. As workers are notorious for underestimating the value of health insurance, mandated benefits theoretically result in lower wages and employment.

C. Gatekeeping, i.e., requiring enrollees to see their PCP before going to a specialist, is one way to potentially limit moral hazard.

D. Moral hazard is synonymous with overconsumption.