Say what you want about the Patient Protection and Affordable Care Act – and we all have – but the still-unraveling legislation is already changing behaviors across the board.

For starters, the risk pool's been flooded with an influx of millions of young (healthy) adults who've been allowed to stay on their parents' policies a few years longer than they otherwise would have. Odds are these "indestructible" young people wouldn't be in the pool at all if they were paying their own premiums and co-pays.

Seniors appear to be taking a more proactive role than ever when it comes to their own health care and well-being. Since the reform law stuffed the so-called doughnut hole, seniors are jumping at the increased preventative care opportunities, despite the extra costs taxpayers are paying for. The jury's still out on whether this investment will pay off.