@misc{indiciaec6f896c8f1e3,
  title = {Optimal risk adjustment with adverse selection and spatial competition.},
  author = {William Jack},
  year = {2006},
  doi = {10.1016/j.jhealeco.2006.01.005},
  url = {https://pubmed.ncbi.nlm.nih.gov/16712986/},
  note = {Source identifier: 16712986}
}