@article{koijen2016health,
  title={Health and mortality delta: Assessing the welfare cost of household insurance choice},
  author={Koijen, Ralph SJ and {Van Nieuwerburgh}, Stijn and Yogo, Motohiro},
  journal={The Journal of Finance},
  volume={71},
  number={2},
  pages={957--1010},
  year={2016},
  publisher={Wiley Online Library}
}