[1] Univ Penn, Perelman Sch Med, Philadelphia, PA 19104 USA
[2] Univ Penn, Wharton Sch, Philadelphia, PA 19104 USA
[3] Univ Penn, LDI Ctr Hlth Incent & Behav Econ, Philadelphia, PA 19104 USA
[4] Penn Med Ctr Hlth Care Innovat, Philadelphia, PA USA
[5] Crescenz Vet Affairs Med Ctr, Philadelphia, PA USA
[6] Independence Blue Cross, Philadelphia, PA USA
[7] Massachusetts Gen Hosp, Dept Med, Boston, MA 02114 USA
[8] Columbia Univ, Med Ctr, New York, NY USA