Gym Access IND Silver HMO OA 1009
Starting at
$645
/month before subsidy
Gym Access IND Silver HMO OA 1009 is a 2026 Silver HMO health insurance plan from Florida Health Care Plans, sold on the ACA Marketplace in Florida under plan ID 56503FL2940001. The monthly premium starts at $645 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 $9,000 ($18,000 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 56503FL2940001
- Plan year
- 2026
- State
- Florida
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$9,000
Family: $18,000
Coinsurance
50%
You pay after deductible
Network Type
HMO
FLN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$4,560
your estimated cost
- Deductible
- $0
- Copays
- $4,500
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$3,620
your estimated cost
- Deductible
- $0
- Copays
- $3,600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,800
your estimated cost
- Deductible
- $0
- Copays
- $1,300
- Coinsurance
- $500
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,395/month
Annual Premium
$7,740
OOP Maximum
$9,000
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,000 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 Silver HMO OA 1009
How much does Gym Access IND Silver HMO OA 1009 cost per month?
Gym Access IND Silver HMO OA 1009 from Florida Health Care Plans starts at $645 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 Silver HMO OA 1009?
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 Silver HMO OA 1009?
The most you would pay in a year for covered in-network care is $9,000 for an individual and $18,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gym Access IND Silver HMO OA 1009 HSA-eligible?
No. Gym Access IND Silver HMO OA 1009 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 Silver HMO OA 1009 use?
Gym Access IND Silver HMO OA 1009 is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
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.