 The voucher would be provided by the government at no cost and its amount would be individually risk-adjusted, i.e., sicker people would receive larger vouchers.No health insurance company providing the basic insurance plan could turn anyone away and those who could afford supplemental health insurance plans would be free to purchase them.According to Kotlikoff, the plan provides universal basic health insurance, retains private provision of healthcare, limits government healthcare spending to a fixed share of GDP, and avoids adverse selection.