APA način citiranja (7. izdanje)

Cutler, D. M., & Zeckhauser, R. J. (1997). Adverse selection in health insurance. National Bureau of Economic Research.

Čikaški stil citiranja (17. izdanje)

Cutler, David M., i Richard J. Zeckhauser. Adverse Selection in Health Insurance. Cambridge: National Bureau of Economic Research, 1997.

MLA način citiranja (9. izdanje)

Cutler, David M., i Richard J. Zeckhauser. Adverse Selection in Health Insurance. National Bureau of Economic Research, 1997.