Gym Access IND Gold POS OA Standard 3450
Starting at
$931
/month before subsidy
Gym Access IND Gold POS OA Standard 3450 is a 2027 Gold POS health insurance plan from Florida Health Care Plans, sold on the ACA Marketplace in Florida under plan ID 56503FL3490010. The monthly premium starts at $931 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,500 ($5,000 for a family), and the individual out-of-pocket maximum is $8,600 ($17,200 for a family). After the deductible, coinsurance is 25% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 56503FL3490010
- Plan year
- 2027
- State
- Florida
- Metal level
- Gold
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$2,500
Family: $5,000
Out-of-Pocket Max
$8,600
Family: $17,200
Coinsurance
25%
You pay after deductible
Network Type
POS
FLN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$4,530
your estimated cost
- Deductible
- $2,500
- Copays
- $70
- Coinsurance
- $1,900
Managing type 2 diabetes
A year of routine care
$1,220
your estimated cost
- Deductible
- $100
- Copays
- $1,100
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,400
your estimated cost
- Deductible
- $2,100
- Copays
- $300
- 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
$1,648/month
Annual Premium
$11,172
OOP Maximum
$8,600
💡 What this means:
With a $2,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 25% (coinsurance) until you hit $8,600 total. Then insurance covers everything else for the year.
More plans from Florida Health Care Plans in Florida
- Gym Access IND Catastrophic HMO 36from $446/mo
- Gym Access IND Catastrophic POS 37from $513/mo
- Gym Access IND Bronze HMO 1340from $498/mo
- Gym Access IND Bronze HMO OA 1211from $581/mo
- Gym Access IND Bronze HMO OA Standard 2450from $530/mo
- Gym Access IND Bronze POS 1042from $621/mo
- Gym Access IND Bronze POS BC 3841from $632/mo
- Gym Access IND Bronze POS OA 1211from $668/mo
Frequently asked questions about Gym Access IND Gold POS OA Standard 3450
How much does Gym Access IND Gold POS OA Standard 3450 cost per month?
Gym Access IND Gold POS OA Standard 3450 from Florida Health Care Plans starts at $931 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 OA Standard 3450?
The individual medical deductible is $2,500, and the family deductible is $5,000. 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 OA Standard 3450?
The most you would pay in a year for covered in-network care is $8,600 for an individual and $17,200 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 OA Standard 3450 HSA-eligible?
No. Gym Access IND Gold POS OA Standard 3450 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 OA Standard 3450 use?
Gym Access IND Gold POS OA Standard 3450 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.