@book{RB-9305-EMKF,
author="Gates, Susan M. and Kristin J. Leuschner",
title="State Insurance Mandates and Consumer-Directed Health Plans: Are They Helping Small Business Provide Health Insurance to Employees?",
address="Santa Monica, CA",
year="2007",
doi="10.7249/RB9305",
publisher="RAND Corporation"
}