@techreport{NBERw12972,
 title = "Patient Cost-Sharing, Hospitalization Offsets, and the Design of Optimal Health Insurance for the Elderly",
 author = "Amitabh Chandra and Jonathan Gruber and Robin McKnight",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "12972",
 year = "2007",
 month = "March",
 URL = "http://www.nber.org/papers/w12972",
}