@techreport{NBERw13746,
 title = "Preference Heterogeneity and Insurance Markets: Explaining a Puzzle of Insurance",
 author = "David M. Cutler and Amy Finkelstein and Kathleen McGarry",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "13746",
 year = "2008",
 month = "January",
 URL = "http://www.nber.org/papers/w13746",
}