In addition to choosing between the two most unpopularcandidates for president in recent memory on Tuesday, voters in anumber of states will weigh in on a variety of ballot initiatives,from marijuana legalization to single-payer health care.

A number of the referenda could have significant impacts onemployers, insurers and benefits professionals.

Perhaps the most dramatic change could come in Colorado, wherea referendum proposes establishing a state-runsingle-payer health care system. Critics, including the Democraticgovernor, have decried the proposal as far too expensive and pollshave suggested it has little chance of passage.

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