Maulida, Rizki, and Rus’an Nasrudin. 2025. “Does Subsidized Health Insurance Cause Ex Ante Moral Hazard? Empirical Analysis Of Smoking Intensity In Poor Communities In Indonesia”. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis 13 (2), 1163–1176. https://doi.org/10.37676/ekombis.v13i2.6954.