@article{BanerjeeFinkelsteinHannaetal.2021, author = {Abhijiit Banerjee and Amy Finkelstein and Rema Hanna and Benjamin A. Olken and Arianna Ornaghi and Sudarno Sumarto}, title = {The Challenges of Universal Health Insurance in Developing Countries: Experimental Evidence from Indonesia's National Health Insurance}, journal = {American Economic Review}, volume = {111}, number = {9}, pages = {3035 -- 3063}, doi = {10.1257/aer.20200523}, year = {2021}, }