APA (7th ed.) Citation

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

Chicago Style (17th ed.) Citation

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

MLA (9th ed.) Citation

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