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Finkelstein, A. (2014-12-02). Moral Hazard in Health Insurance: Developments Since Arrow (1963). In Moral Hazard in Health Insurance. : Columbia University Press. Retrieved 24 Sep. 2021, from https://columbia.universitypressscholarship.com/view/10.7312/columbia/9780231163804.001.0001/upso-9780231163804-chapter-2.