Though the legalization of recreational marijuana inColorado and Washington is causing complications for HRdepartments, industry experts say it's not having a big impact oninsurance and premiums — at least not yet.

The fact that wwmillions of Americans now have access to legal,often very-potent weed has generally sparked no discussion orchanges in the questions people are asked when they sign up forcoverage, experts say.

“It's had no impact on our policies toward health insurance, norare we discussing any aspects of that. It's a nonissue for us,”says Neil Waldron, chief marketing officer and vice president ofstrategic initiatives for Rocky Mountain Health Plans. “The only[time we would make a change] is if there were a regulation to comeout at the state level or at the federal level related to howhealth insurance is or is not to be provided to people who smokemarijuana. We don't currently have a policy, and if you smokemarijuana we don't even know that, nor do we ask that.”