HINDARTI, S. Ex Ante Moral Hazard in the Health Insurance Market in Indonesia. Jurnal Indonesia Sosial Sains, [S. l.], v. 3, n. 04, p. 649–672, 2022. DOI: 10.59141/jiss.v3i04.580. Disponível em: https://www.jiss.publikasiindonesia.id.solusipublish.com/index.php/jiss/article/view/580. Acesso em: 26 dec. 2025.