Gym Access IND Gold HMO BC 5651
Gold · HMO · Florida Health Care Plans · Florida
At age 40 it costs between $718.95 and $911.97 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 56503FL2590002 |
|---|---|
| Insurer | Florida Health Care Plans |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,800 |
| Family maximum | $15,600 |
| Primary care visit | No Charge |
| Specialist visit | $50 |
| Emergency room | $350 |
| Inpatient stay | $600 Copay per Day |
| Generic drugs | $10 |
| Preferred brand drugs | $40 |
| Specialty drugs | 30% |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-800-232-0578 · TTY 1-800-955-8771 |
Where it is sold, and what it costs there
5 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Brevard County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Saint Johns County | $633.98 | $719.57 | $810.23 | $1,132.29 | $1,720.62 |
| Volusia County | $654.38 | $742.72 | $836.30 | $1,168.72 | $1,775.99 |
| Flagler County | $683.67 | $775.97 | $873.73 | $1,221.03 | $1,855.48 |
| Seminole County | $713.59 | $809.92 | $911.97 | $1,274.47 | $1,936.68 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.