Gym Access IND Gold HMO BC 5651 — full price in Saint Johns County, Florida (2026)
Gym Access IND Gold HMO BC 5651 (56503FL2590002), a gold plan from Florida Health Care Plans in Saint Johns County, Florida, costs $810.23/month full price for a 40-year-old in 2026 — $1720.62 at 60, with a $0 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56503FL2590002 · 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 | $633.98 |
| 27 | $664.41 |
| 30 | $719.57 |
| 40 | $810.23 |
| 50 | $1132.29 |
| 60 | $1720.62 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,800
- Family out-of-pocket max: $15,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $697.47/mo. This plan is $810.23/mo at 40 — a difference of $112.76/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
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 56503FL2590002 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.