Journal of Health Economics Vol. 22, Issue 1 January 2003 HKS Authors See citation below for complete author information. Richard Zeckhauser Frank Plumpton Ramsey Professor of Political Economy Citation Altman, Daniel, David Cutler, and Richard Zeckhauser. "Enrollee Mix, Treatment Intensity, and Cost in Competing Indemnity and HMO Plans." Journal of Health Economics 22.1 (January 2003).