Gym Access IND Bronze POS BC 3841 — full price in Seminole County, Florida (2026)
Gym Access IND Bronze POS BC 3841 (56503FL2540002), a expanded bronze plan from Florida Health Care Plans in Seminole County, Florida, costs $715.32/month full price for a 40-year-old in 2026 — $1519.08 at 60, with a $6,000 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56503FL2540002 · 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 | $559.72 |
| 27 | $586.59 |
| 30 | $635.28 |
| 40 | $715.32 |
| 50 | $999.66 |
| 60 | $1519.08 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $699.04/mo. This plan is $715.32/mo at 40 — a difference of $16.28/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 expanded bronze plans in Seminole County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Maintenance Organization of Florida | $507.92 |
| Bronze Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $535.65 |
| Gym Access IND Bronze HMO 1340 | Florida Health Care Plans | $541.35 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals | AmeriHealth Caritas Next | $542.12 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals | AmeriHealth Caritas Next | $542.12 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 56503FL2540002 in FIPS 12117.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Seminole County
Reviewed by Jason Burns, Editorial Steward.