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Susie, a recent college graduate and first-time employee, is trying to understand health insurance after watching a basic tutorial. While she grasps the fundamentals, terms like HMO and Gold Plan confuse her. The tutorial explains the categorization of insurance plans by metals: bronze, silver, gold, and platinum, each linked to an actuarial value representing the average percentage of medical costs covered by insurers. Bronze plans cover 60% of costs, silver 70%, gold 80%, and platinum the highest at 90%. This basic understanding of metal tiers helps to clarify health insurance options for newcomers like Susie.