Sold outside the marketplace. This plan is bought directly from the insurer, so it is not eligible for a premium tax credit. If your income qualifies you for savings, a marketplace plan at the same price will usually cost you less.
Gym Access IND Gold HMO 4500
Florida Health Care Plans · 2026 plan year
Gold
- Ind. deductible
- $2,550
- Family deductible
- $5,100
- Ind. OOP max
- $5,600
- Family OOP max
- $11,200
Other cost-sharing reduction variants for this plan:
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Monthly premiums by age
Rating Area 5 — the lowest-priced of the 5 areas this plan covers. Premiums differ by area.
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $411 | $411 |
| 21 | $537 | $644 |
| 30 | $609 | $731 |
| 40 | $686 | $823 |
| 50 | $959 | $1,151 |
| 60 | $1,457 | $1,749 |
| 64 and over | $1,611 | $1,933 |
Live premium estimate
Benefits & cost sharing
Primary Care
| Benefit | In-network |
|---|---|
| Preventive Care/Screening/Immunization | No charge |
| Primary Care Visit to Treat an Injury or Illness | No charge |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $35.00 |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | 10.00% Coinsurance after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay) | $250.00 Copay per Day |
| Outpatient Surgery Physician/Surgical Services | 10.00% Coinsurance after deductible |
| Urgent Care Centers or Facilities | $75.00 |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $10.00 |
| Non-Preferred Brand Drugs | $55.00 |
| Preferred Brand Drugs | $30.00 |
| Specialty Drugs | 50.00% |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | $250.00 Copay per Day |
| Mental/Behavioral Health Outpatient Services | $35.00 |
Other
| Benefit | In-network |
|---|---|
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | Not covered |
| Inpatient Physician and Surgical Services | No charge |
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | $35.00 |
| Acupuncture | Not covered |
| Allergy Testing | No charge |
| Bariatric Surgery | Not covered |
| Bone Marrow Transplant | $250.00 |
| Chemotherapy | 50.00% |
| Chiropractic Care | $35.00 |
| Congenital Anomaly, including Cleft Lip/Palate | $35.00 |
| Cosmetic Surgery | Not covered |
| Delivery and All Inpatient Services for Maternity Care | $250.00 |
| Dental Anesthesia | 10.00% |
| Dental Check-Up for Children | Not covered |
| Diabetes Care Management | $10.00 |
| Diabetes Education | No charge |
| Dialysis | 50.00% |
| Durable Medical Equipment | 10.00% |
| Emergency Transportation/Ambulance | 10.00% Coinsurance after deductible |
| Eye Glasses for Children | $25.00 |
| Gender Affirming Care | Not covered |
| Habilitation Services | $35.00 |
| Hearing Aids | Not covered |
| Home Health Care Services | 10.00% |
| Hospice Services | 10.00% |
| Imaging (CT/PET Scans, MRIs) | 10.00% Coinsurance after deductible |
| Infertility Treatment | Not covered |
| Infusion Therapy | 50.00% |
| Laboratory Outpatient and Professional Services | $25.00 |
| Long-Term/Custodial Nursing Home Care | Not covered |
| Major Dental Care - Adult | Not covered |
| Major Dental Care - Child | Not covered |
| Nutrition/Formulas | 10.00% |
| Nutritional Counseling | No charge |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | Not covered |
| Osteoporosis | $35.00 |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | No charge |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | 10.00% Coinsurance after deductible |
| Outpatient Rehabilitation Services | $35.00 |
| Prenatal and Postnatal Care | $35.00 |
| Private-Duty Nursing | Not covered |
| Prosthetic Devices | 10.00% |
| Radiation | 50.00% |
| Reconstructive Surgery | $250.00 |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $35.00 |
| Rehabilitative Speech Therapy | $35.00 |
| Routine Dental Services (Adult) | Not covered |
| Routine Eye Exam (Adult) | Not covered |
| Routine Eye Exam for Children | $10.00 |
| Routine Foot Care | Not covered |
| Skilled Nursing Facility | $50.00 Copay per Day |
| Substance Abuse Disorder Inpatient Services | $250.00 Copay per Day |
| Substance Abuse Disorder Outpatient Services | $35.00 |
| Telehealth | No charge |
| Transplant | $250.00 |
| Treatment for Temporomandibular Joint Disorders | $35.00 |
| Weight Loss Programs | No charge |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | 10.00% Coinsurance after deductible |
Service area
This plan covers 5 geographic areas.
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