The article explores how health care spending changes over a person's life and how it could be financed. By using a complex model, the researchers found that giving everyone health insurance vouchers could cover everyone but also increase overall health spending. However, the benefits of better insurance outweigh the downsides of higher taxes and moral hazards, leading to improved well-being for all age groups. The way the vouchers are paid for and how the economy adjusts are crucial factors in making the program successful.