Florida · Insurer
Florida Health Care Plans Marketplace Plans in Florida
Florida Health Care Plans is a Daytona Beach–based GuideWell affiliate that sold 23 Gym Access HMO and POS plans in five counties in 2026. CMS rated its HMO 4 stars overall with 5 stars for member experience.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
What makes Florida Health Care Plans different
Members can see FHCP staff doctors at All-In-One care centers. On the POS plan we checked, staff PCP visits cost nothing.
CMS gave the HMO 4 stars overall and 5 stars for member experience in both 2025 and 2026.
POS plans pay for some out-of-network care at a higher deductible. HMO plans need referrals and do not cover out-of-network care.
Every plan name includes Gym Access, covering visits to 65+ gyms including some YMCAs per FHCP materials.
Is Florida Health Care Plans a good fit?
A good fit if
- You live in Volusia, Flagler, St. Johns, Seminole or Brevard County
- You want to use FHCP staff care centers for primary care
- You care about CMS member-experience scores
Think twice if
- Only five counties are covered.
- HMO plans need a referral before seeing a specialist and do not cover out-of-network care.
- POS plans scored 3 stars overall in 2026, below the HMO rating.
Good starting points
From its 23 2026 plans statewide, lowest price in any Florida rating area.2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Florida Health Care Plans plans and prices
All 2026 Florida Health Care Plans plans in Florida
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Gym Access IND Bronze HMO 1340 | MetalBronze | TypeHMO | Premium (age 40)$427 | Deductible$10,150 | OOP max$10,150 | Primary care$0 | Specialist$0 after deductible | Generic Rx$30 | HSANo | Counties5 |
| Gym Access IND Bronze HMO OA Standard 2450 | MetalBronze | TypeHMO | Premium (age 40)$467 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| Gym Access IND Bronze Standardized HMO | MetalBronze | TypeHMO | Premium (age 40)$485 | Deductible$7,150 | OOP max$10,150 | Primary care$0 | Specialist$80 | Generic Rx$35 | HSANo | Counties5 |
| Gym Access IND Bronze HMO OA 1211 | MetalBronze | TypeHMO | Premium (age 40)$526 | Deductible$0 | OOP max$10,150 | Primary care$0 | Specialist$85 | Generic Rx$30 | HSANo | Counties5 |
| Gym Access IND Bronze POS OA Standard 2450 | MetalBronze | TypePOS | Premium (age 40)$537 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| Gym Access IND Bronze POS 1042 | MetalBronze | TypePOS | Premium (age 40)$558 | Deductible$5,500 | OOP max$10,150 | Primary care$0 | Specialist$75 | Generic Rx$35 | HSANo | Counties5 |
| Gym Access IND Bronze POS BC 3841 | MetalBronze | TypePOS | Premium (age 40)$564 | Deductible$6,000 | OOP max$10,000 | Primary care$0 | Specialist$90 | Generic Rx$35 | HSANo | Counties5 |
| Gym Access IND Bronze POS OA 1211 | MetalBronze | TypePOS | Premium (age 40)$605 | Deductible$0 | OOP max$10,150 | Primary care$0 | Specialist$85 | Generic Rx$30 | HSANo | Counties5 |
| Gym Access IND Silver HMO OA Standard 1440 | MetalSilver | TypeHMO | Premium (age 40)$619 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties5 |
| Gym Access IND Silver HMO BC 7741 | MetalSilver | TypeHMO | Premium (age 40)$631 | Deductible$3,500 | OOP max$8,900 | Primary care$0 | Specialist$80 | Generic Rx$15 | HSANo | Counties5 |
| Gym Access IND Silver HMO BC 0941 | MetalSilver | TypeHMO | Premium (age 40)$639 | Deductible$5,000 | OOP max$8,350 | Primary care$0 | Specialist$100 | Generic Rx$10 | HSANo | Counties5 |
| Gym Access IND Silver HMO OA 1009 | MetalSilver | TypeHMO | Premium (age 40)$645 | Deductible$0 | OOP max$9,000 | Primary care$0 | Specialist$70 | Generic Rx$35 | HSANo | Counties5 |
| Gym Access IND Silver POS OA Standard 1440 | MetalSilver | TypePOS | Premium (age 40)$712 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties5 |
| Gym Access IND Silver POS BC 7741 | MetalSilver | TypePOS | Premium (age 40)$726 | Deductible$3,500 | OOP max$8,900 | Primary care$0 | Specialist$80 | Generic Rx$15 | HSANo | Counties5 |
| Gym Access IND Silver POS BC 0941 | MetalSilver | TypePOS | Premium (age 40)$735 | Deductible$5,000 | OOP max$8,350 | Primary care$0 | Specialist$100 | Generic Rx$10 | HSANo | Counties5 |
| Gym Access IND Silver POS OA 1009 | MetalSilver | TypePOS | Premium (age 40)$742 | Deductible$0 | OOP max$9,000 | Primary care$0 | Specialist$70 | Generic Rx$35 | HSANo | Counties5 |
| Gym Access IND Gold HMO H.S.A 9010 | MetalGold | TypeHMO | Premium (age 40)$642 | Deductible$2,000 | OOP max$6,500 | Primary care10% after deductible | Specialist10% after deductible | Generic Rx$10 after deductible | HSANo | Counties5 |
| Gym Access IND Gold HMO OA Standard 3450 | MetalGold | TypeHMO | Premium (age 40)$662 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties5 |
| Gym Access IND Gold HMO 4500 | MetalGold | TypeHMO | Premium (age 40)$686 | Deductible$2,550 | OOP max$5,600 | Primary care$0 | Specialist$35 | Generic Rx$10 | HSANo | Counties5 |
| Gym Access IND Gold HMO BC 5651 | MetalGold | TypeHMO | Premium (age 40)$719 | Deductible$0 | OOP max$7,800 | Primary care$0 | Specialist$50 | Generic Rx$10 | HSANo | Counties5 |
| Gym Access IND Gold POS OA Standard 3450 | MetalGold | TypePOS | Premium (age 40)$761 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties5 |
| Gym Access IND Gold POS 55001 | MetalGold | TypePOS | Premium (age 40)$794 | Deductible$2,800 | OOP max$8,100 | Primary care$0 | Specialist$35 | Generic Rx$10 | HSANo | Counties5 |
| Gym Access IND Gold POS BC 5651 | MetalGold | TypePOS | Premium (age 40)$827 | Deductible$0 | OOP max$7,800 | Primary care$0 | Specialist$50 | Generic Rx$10 | HSANo | Counties5 |
Good to know
FHCP is leaving Florida's small-group market for 2027. Individual Marketplace plans are not part of that exit.
Other Florida Marketplace insurers
- Florida Blue HMO
- AvMed
- Ambetter
- Oscar
- Florida Blue
- Health First
- UnitedHealthcare
- Wellpoint
- AmeriHealth Caritas Next
- Capital Health Plan
Sources
- CMS Unified Rate Review, Florida Health Care Plan 2027, accessed October 7, 2026
- FHCP Individuals & Families, accessed October 7, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- FHCP About Us, accessed October 7, 2026
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Florida Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.