Deductibles and the Demand for Medical Care Services: The Theory of a Consumer Facing a Variable Price Schedule under Uncertainty
E. B. Keeler, J. P. Newhouse, C. E. Phelps, Deductibles and the Demand for Medical Care Services: The Theory of a Consumer Facing a Variable Price Schedule under Uncertainty, Econometrica, Vol. 45, No. 3 (Apr., 1977), pp. 641-656