@inbook{NBERc9869,
 Crossref = "NBERcutl04-1",
 title = "Adverse Selection and the Challenges to Stand-Alone Prescription Drug Insurance",
 author = "Mark V. Pauly and Yuhui Zeng",
 BookTitle = "Frontiers in Health Policy Research, Volume 7",
 Publisher = "MIT Press",
 pages = "55-74",
 year = "2004",
 month = "July",
 URL = "http://www.nber.org/chapters/c9869",
}
@book{NBERcutl04-1,
 title = "Frontiers in Health Policy Research, Volume 7",
 author = "David M. Cutler and Alan M. Garber",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "MIT Press",
 year = "2004",
 URL = "http://www.nber.org/books/cutl04-1",
}