7Arrow, K J. Uncertainty and the welfare economics of medical care[ J ]. American Economic Review. 1963,53 (5) :941-973.
8Pauly M V. The economics of moral hazaed : comment[ J ]. American E-conomic Review, 1968,58:531-537.
9Bakker F M , et al. Deductibles in health insurance: Can the actuarially fair premium reduction exceed the deductible [J]. Health Policy, 2000,53 : 125-143.
10Rice T. The effect off HMOs on premiums in employment - based health Plans [ J ]. Health Service Research. 1992,27 ( 6 ) : 799-811.