A:I live in Massachusetts and it is already this way. The people who can't afford insurance like say a waitress I know and others had their income tax refund held as a penalty. It is illegal in this state not to have insurance. In some ways it is good because they go according to one's income to get insurance through Mass Health. On generic meds, most are just as good as the Labels. Just a label with a name brand that has been advertised. Mostly Coumadin and thyroid meds are best as not being generic and some meds for "heart problems".