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Let them have choice 

, In: American economic journal
gains from shifting away from employer-sponsored health ins... 
Dafny, Leemore S. ; Ho, Kate ; Varela, Mauricio. (2013)  1 - p. 32-58
Exemplar:  Zentrale:E02 z vwl 001 jc/652; Zentrale:Magazin Zs ff 4073