TY  - RPRT
TI  - Must adverse selection cause premium spirals?
AU  - R Feldman
AU  - B Dowd
PY  - 1991
DO  - 10.1016/0167-6296(91)90035-l
UR  - https://pubmed.ncbi.nlm.nih.gov/10114571/
ID  - 10114571
ER  -