Gym Access IND Gold HMO OA Standard 3450
Gold · HMO · Florida Health Care Plans · Florida
At age 40 it costs between $662.14 and $839.91 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 | 56503FL3060001 |
|---|---|
| Insurer | Florida Health Care Plans |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $518.11 | $588.05 | $662.14 | $925.34 | $1,406.15 |
| Saint Johns County | $583.90 | $662.73 | $746.22 | $1,042.85 | $1,584.70 |
| Volusia County | $602.68 | $684.04 | $770.23 | $1,076.39 | $1,635.67 |
| Flagler County | $629.65 | $714.65 | $804.69 | $1,124.55 | $1,708.87 |
| Seminole County | $657.21 | $745.93 | $839.91 | $1,173.78 | $1,783.67 |
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.