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The rule will apply unless there is a medical justification for it to be waived, for example, if the generic contains an ingredient to which the patient is allergic. Generics cost 40% less on average and the government says money saved can be put to better use, such as for buying innovative medicines to treat childhood cancers. Currently, the only penalty for refusing a generic is you must pay upfront for it and thus do not obtain le tiers payant.