A survey of Colorado employers soon after Amendment 64 won passage in 2012 found that 21 percent had made their drug-testing policies more stringent. But 71 percent made no changes to their policies whatsoever.

Forty-three percent of men but only 39 percent of women are saving at study sponsor Wells Fargos recommended contribution index, which measures how many people are saving a minimum target of 10 percent, including the employer match.

Established private exchanges, such as GetInsured.com, are expanding their business model because of PPACA.