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My 24-year-old son, who is working, lives near me and my spouse. My spouse and I are eligible for a silver plan with a 73 percent actuarial value, but my son is eligible for a plan with an 87 percent actuarial value. What happens if we all enroll in one family policy?

If you all enroll in the same plan, you would only be eligible for a plan with a 73 percent actuarial value; that is the lowest-value plan for which all of you would qualify in this situation.

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in Menlo Park, California.