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Meet Susie. Susie is a recent college graduate and first-time employee trying to understand health insurance. Shes just finished our first Health Insurance 101 video, so she understands on a basic level how health insurance works. However, she remains baffled by the general jargon of health insurance: HMO, Gold Plan, the list goes on and on. However, luckily for Susie, weve got her covered. Lets start with the metals. Most insurance plans youll see are listed with an associated metal: bronze, silver, gold, or platinum. Each metal is in turn associated with an actuarial value. While that term may seem rather mathy, an actuarial value is simply the average percentage of medical costs your insurer pays each year. For example, bronze policies have an actuarial value of 60%. That means, on average, insurers pay for 60% of their policyholders medical costs. For silver, its 70%, for gold, its 80%, and for platinum, the highest metal, its 90%. However, theres a wrinkle in this ne