@article{maia_andrade_chein_2019,  title={Ex-ante moral hazard: empirical evidence for private health insurance in Brazil},  volume={29},  ISSN={0103-6351},  url={https://doi.org/10.1590/0103-6351/4886},  DOI={10.1590/0103-6351/4886},  number={3},  journal={Nova Economia},  publisher={Nova Economia},  author={Maia, Ana Carolina and Andrade, Mônica Viegas and Chein, Flávia},  year={2019},  month={Sep},  pages={987–1008} }