My 24-year-old son works full-time and lives near me and my spouse. My spouse and I are eligible for a silver plan with a 73% actuarial value, but my son is eligible for a plan with an 87% actuarial value. What happens if we all enroll in 1 family policy?

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