title: Preference Heterogeneity and Insurance Markets: Explaining a Puzzle of Insurance.
authors.affiliation: Department of Economics, Harvard University, 1875 Cambridge Street, Cambridge MA 02138, and NBER.
authors.forename: David M
authors.initials: DM
authors.lastname: Cutler
authors.forename: Amy
authors.initials: A
authors.lastname: Finkelstein
authors.forename: Kathleen
authors.initials: K
authors.lastname: McGarry
mesh_terms: D003258:Consumer Behavior; D000073599:Health Risk Behaviors; D006801:Humans; D019458:Insurance Coverage; D007348:Insurance, Health / Q000706:statistics & numerical data; D007352:Insurance, Life / Q000706:statistics & numerical data*; D007353:Insurance, Long-Term Care / Q000706:statistics & numerical data*; D017054:Insurance, Medigap / Q000706:statistics & numerical data*; D012306:Risk; D014481:United States