Gym Access IND Silver HMO OA 1009 — full price in Saint Johns County, Florida (2026)
Gym Access IND Silver HMO OA 1009 (56503FL2940001), a silver plan from Florida Health Care Plans in Saint Johns County, Florida, costs $726.99/month full price for a 40-year-old in 2026 — $1543.86 at 60, with a $0 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56503FL2940001 · 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 | $568.85 |
| 27 | $596.15 |
| 30 | $645.64 |
| 40 | $726.99 |
| 50 | $1015.97 |
| 60 | $1543.86 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $697.47/mo. This plan is $726.99/mo at 40 — a difference of $29.52/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 silver plans in Saint Johns County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clarity Silver | Ambetter Health | $654.04 |
| Gym Access IND Silver HMO OA Standard 1440 | Florida Health Care Plans | $697.47 |
| Standard Silver | Ambetter Health | $697.62 |
| Focused Silver | Ambetter Health | $706.04 |
| Gym Access IND Silver HMO BC 7741 | Florida Health Care Plans | $711.42 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 56503FL2940001 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.