@inbook{NBERc9822,
 Crossref = "NBERgarb98-1",
 title = "Adverse Selection in Health Insurance",
 author = "David M. Cutler and Richard J. Zeckhauser",
 BookTitle = "Frontiers in Health Policy Research, volume 1",
 Publisher = "MIT",
 pages = "1-32",
 year = "1998",
 month = "January",
 URL = "http://www.nber.org/chapters/c9822",
}
@book{NBERgarb98-1,
 title = "Frontiers in Health Policy Research, volume 1",
 author = "Alan M. Garber",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "MIT",
 year = "1998",
 URL = "http://www.nber.org/books/garb98-1",
}