@unpublished{picard:hal-01448322, TITLE = {{Splitting Risks in Insurance Markets With Adverse Selection}}, AUTHOR = {Picard, Pierre}, URL = {https://polytechnique.hal.science/hal-01448322}, NOTE = {working paper or preprint}, YEAR = {2017}, MONTH = Jan, KEYWORDS = {Insurance ; adverse selection ; contract ; health insurance ; copayment ; deductible}, PDF = {https://polytechnique.hal.science/hal-01448322v3/file/Cahier%20n%C2%B0%202017-01_PICARD.pdf}, HAL_ID = {hal-01448322}, HAL_VERSION = {v3}, }