Gym Access IND Gold HMO 4500 — full price in Saint Johns County, Florida (2026)
Gym Access IND Gold HMO 4500 (56503FL2090002), a gold plan from Florida Health Care Plans in Saint Johns County, Florida, costs $773.34/month full price for a 40-year-old in 2026 — $1642.30 at 60, with a $2,550 deductible and $5,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56503FL2090002 · Issuer: Florida Health Care Plans · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $605.12 |
| 27 | $634.17 |
| 30 | $686.81 |
| 40 | $773.34 |
| 50 | $1080.74 |
| 60 | $1642.30 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,550
- Family deductible: $5,100
- Individual out-of-pocket max: $5,600
- Family out-of-pocket max: $11,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $697.47/mo. This plan is $773.34/mo at 40 — a difference of $75.87/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
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Other gold plans in Saint Johns County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Health Maintenance Organization of Florida | $677.03 |
| Standard Gold | Ambetter Health | $682.73 |
| Everyday Gold | Ambetter Health | $697.51 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $701.20 |
| Gold Classic Standard | Oscar Health Maintenance Organization of Florida | $711.20 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 56503FL2090002 in FIPS 12109.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Johns County
Reviewed by Jason Burns, Editorial Steward.