If you are on medicare hmo you can go to one of the anytime fitness centers near the villages. FREE. They are open 24/7 and have all new equipment and a first class facility. Compare that to MVP or the rec centers! I'm saving $64 a month! I go to the one just past the American Legion on 466 in Lady Lake. They have another in Bailey Plaza and one on 301 just south of 466 on the left.
Your only cost is $29 to pay for a key fob to let you in to the building at your convenience.