@misc{indiciaec3c1f3ddcee5,
  title = {Does a fixed-dollar premium contribution lower spending?},
  author = {T C Buchmueller},
  doi = {10.1377/hlthaff.17.6.228},
  url = {https://pubmed.ncbi.nlm.nih.gov/9916372/},
  note = {Source identifier: 9916372}
}