@article {3675,
	title = {Consumer-directed Health Care: Can Consumers Look After Themselves?},
	journal = {Swiss Journal of Economics and Statistics},
	volume = {144 },
	year = {2008},
	pages = {285-307},
	doi = {10.1007/BF03399255},
	url = {https://doi.org/10.1007/BF03399255},
	author = {McFadden, Daniel and Winter, Joachim and Heiss, Florian}
}
