@techreport{NBERw12430,
 title = "Employment and Adverse Selection in Health Insurance",
 author = "Jayanta Bhattacharya and William B. Vogt",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "12430",
 year = "2006",
 month = "August",
 URL = "http://www.nber.org/papers/w12430",
}