Gym Access IND Gold POS BC 5651
Starting at
$827
/month before subsidy
Gym Access IND Gold POS BC 5651 is a 2026 Gold POS health insurance plan from Florida Health Care Plans, sold on the ACA Marketplace in Florida under plan ID 56503FL2600002. The monthly premium starts at $827 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $7,800 ($15,600 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 56503FL2600002
- Plan year
- 2026
- State
- Florida
- Metal level
- Gold
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$7,800
Family: $15,600
Coinsurance
40%
You pay after deductible
Network Type
POS
FLN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$1,860
your estimated cost
- Deductible
- $0
- Copays
- $1,800
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$1,320
your estimated cost
- Deductible
- $0
- Copays
- $1,300
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,400
your estimated cost
- Deductible
- $0
- Copays
- $1,400
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Gold POS plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,477/month
Annual Premium
$9,924
OOP Maximum
$7,800
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $7,800 total. Then insurance covers everything else for the year.
More plans from Florida Health Care Plans in Florida
- Gym Access IND Bronze HMO 1340from $427/mo
- Gym Access IND Bronze HMO OA 1211from $526/mo
- Gym Access IND Bronze HMO OA Standard 2450from $467/mo
- Gym Access IND Bronze POS 1042from $558/mo
- Gym Access IND Bronze POS BC 3841from $564/mo
- Gym Access IND Bronze POS OA 1211from $605/mo
- Gym Access IND Bronze POS OA Standard 2450from $537/mo
- Gym Access IND Bronze Standardized HMOfrom $485/mo
Frequently asked questions about Gym Access IND Gold POS BC 5651
How much does Gym Access IND Gold POS BC 5651 cost per month?
Gym Access IND Gold POS BC 5651 from Florida Health Care Plans starts at $827 per month before any subsidy in Florida. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Gym Access IND Gold POS BC 5651?
The individual medical deductible is $0. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Gym Access IND Gold POS BC 5651?
The most you would pay in a year for covered in-network care is $7,800 for an individual and $15,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gym Access IND Gold POS BC 5651 HSA-eligible?
No. Gym Access IND Gold POS BC 5651 is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Gym Access IND Gold POS BC 5651 use?
Gym Access IND Gold POS BC 5651 is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.