Open Question: Medical Law and Ethics?

The generic potency equivalency is an interesting concept. I think that any time a generic is perscribed you have that problem. Are you saying that because the generic drugs are REQUIRED by some plans that those plans have a lesser quality to begin with? Also aren't all insurance plans risk contracts, in fact all insurance of any type is a risk contract. I often feel that society would be better off if insurance was illegal. People would be more careful about how they do things , their health and their driving and the world wouldn't be divided between insurance companies and everyone else.