@article{whatsinabillamodelofimperfectmoral,
  title = {Medical Bill Shock and Imperfect Moral Hazard},
  author = {Alex Hoagland and David M. Anderson and Ed Zhu},
  year = {2022},
  eprint = {2211.01116},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2211.01116v2},
}