Health reform circle EBRI researchers caution that legislators should consider how health care reform policies will impact the employer-sponsored insurance market. (Photo: Shutterstock)

Implementation of major coverage provisions of the Affordable Care Act in 2014 raised concerns that workers would move to plans with lower actuarial value, or relative generosity. To better understand the risk of workers moving to lower AV plans in the exchanges, it is important to know whether such a downward trend in AV already is occurring in the employment-based market.

Related: Slipping away: Does the employer-sponsored health care system have an expiration date?

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