@unpublished{publication-5308,
	author={Schoder, Johannes and Sennhauser, Mich\`ele and Zweifel, Peter},
	institution={University of Zurich},
	number={No. 916},
	series={Working paper series / Socioeconomic Institute},
	title={Fine Tuning of Health Insurance Regulation: Unhealthy Consequences for an Individual Insurer},
	year=2009,
}