First, we need to determine how much the total cost of the tickets was without the insurance.
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There are 4 people (Oksana and her three friends), and each paid for insurance costing $15. So, we calculate the total insurance cost: \[ \text{Total insurance} = 4 \times 15 = 60 \text{ dollars} \]
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The total amount paid for tickets including insurance was $540. To find out the total cost of the tickets themselves, we subtract the total insurance cost from the total: \[ \text{Total ticket cost} = 540 - 60 = 480 \text{ dollars} \]
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Now, we need to find out how much one ticket costs. Since there are 4 people, we divide the total ticket cost by the number of people: \[ \text{Cost of one ticket} = \frac{480}{4} = 120 \text{ dollars} \]
Therefore, the cost of one ticket to the concert was $120.