Or at the very least, the profit sharing that's been the result of riding on the back of popular patent drugs is. For all of the seething hatred that the Healthcare Reform Act (What most of you know as "Obamacare") receives, there is at least this one weird positive effect that's happening: Insurance companies are shifting the cost burden. What is happening is that more insurance groups are forcing deductibles onto their patients. If you're experiencing one of these, I know you're growling right now, but hang in there because it's going to get better. For the ones who haven't heard that term, it's an amount that your insurance makes you pay out of your own pockets before they'll start giving you copays on your medications. You might for example, have to pay $250 upfront today, but after paying $2000 altogether, your drugs drop to like $10. If you use a lot of medication, the exchange is totally worth it. The old way of doing things let generic drugmakers like Teva (TEVA), Global Pharma (GBLP), Mallinckrodt (MNK), and Mylan (MYL) make great profits since they made generic versions of popular brand name drugs like Adderall from Shire (SHPG) or Viagra from Pfizer (PFE). So wait, we're paying more, so why is that good? As a result, more patients are refusing to fill their more expensive drugs, and asking doctors to switch to lower cost alternatives. While there has historically been more money charged for generic drugs that haven't been available for very long, it's going to force price drops across the board for everyone. Since there are a lot of generic makers, they're going to have to play along or big retail pharmacies like CVS (CVS) and Walgreens (WBA) won't carry them.