@techreport{NBERw12504,
 title = "The Effect of State Community Rating Regulations on Premiums and Coverage in the Individual Health Insurance Market",
 author = "Bradley Herring and Mark V. Pauly",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "12504",
 year = "2006",
 month = "August",
 URL = "http://www.nber.org/papers/w12504",
}