The consumer-choice variant of delegated governance requires that people select their health benefits from private markets. How do the authors describe the outcome?

A) Well-informed and active citizens make decent choices and leave bad providers.
B) The most vulnerable beneficiaries are often the least able to navigate complex social welfare marketplaces.
C) Private providers are far more efficient than government providers.
D) People often make suboptimal choices and fail to revisit them later, but market forces provide needed corrections.

B