Gym Access IND Gold POS BC 5651 — full price in Saint Johns County, Florida (2026)
Gym Access IND Gold POS BC 5651 (56503FL2600002), a gold plan from Florida Health Care Plans in Saint Johns County, Florida, costs $931.76/month full price for a 40-year-old in 2026 — $1978.72 at 60, with a $0 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56503FL2600002 · 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 | $729.08 |
| 27 | $764.08 |
| 30 | $827.51 |
| 40 | $931.76 |
| 50 | $1302.14 |
| 60 | $1978.72 |
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 $931.76/mo at 40 — a difference of $234.29/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 56503FL2600002 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.