A customer at the Coffeeshop Blue Sky makes a purchase of medical marijuana in Oakland, California. (Photo by Justin Sullivan/Getty Images)

Though the legalization of recreational marijuana in Colorado and Washington is causing complications for HR departments, industry experts say it’s not having a big impact on insurance and premiums — at least not yet.

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

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