@inbook{NBERc3815,
 Crossref = "NBERrose76-1",
 title = "Welfare Analysis of Changes in Health Coinsurance Rates",
 author = "Kenneth Arrow",
 BookTitle = "The Role of Health Insurance in the Health Services Sector",
 Publisher = "NBER",
 pages = "1-34",
 year = "1976",
 URL = "http://www.nber.org/chapters/c3815",
}
@book{NBERrose76-1,
 title = "The Role of Health Insurance in the Health Services Sector",
 author = "Richard N. Rosett",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "NBER",
 year = "1976",
 URL = "http://www.nber.org/books/rose76-1",
}