First Solar

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Use this tool to estimate your annual costs and make an informed decision about which health plan to choose.

Tell us about you

Coverage level selected:



Coverage level selected:

Tell us what's most important to you about a medical plan

Choosing a medical plan can be a balancing act. Some people may prefer plans with lower paycheck deductions, while others may prefer plans with lower anticipated total costs. Another factor that might matter is whether a plan offers an associated savings account. What matters most to you?

In the results, the tool will not highlight any specific plan.

In the results, the tool will highlight the plan with the lowest associate annual premiums.

In the results, the tool will highlight the plan with the lowest estimated out-of-pocket costs.

In the results, the tool will highlight the plan with the lowest estimated associate total costs (i.e. including an estimate for anticipated out-of-pocket costs.)

In the results, the tool will highlight the plan with the lowest estimated associate worst case total costs (i.e. including an estimate for potential worst case out-of-pocket costs.)

In the results, the tool will highlight the plan with access to a Health Savings Account (HSA) that has the lowest estimated associate total costs.

Enter your expected plan usage here

Think about the amount of health care that you and any covered family members may need in the coming year. Use the menu(s) below to select from a variety of "quick scenarios". For definitions of the different usage levels, please see the and the . Or, you can create your own scenario under the "My own scenario" tab by customizing the frequency of each type of service. You can also view the .

Note: Specialty medication may significantly increase all health care estimations.

Tip: Creating your own scenario works best on wider screens. If you're on a mobile device, consider rotating your device to landscape mode while using the modeling interface.

See what you will spend here

The chart below shows the out-of-pocket costs and the cost of your deductions from your paycheck compared for each plan. Annual cost of care for the HDHP assumes that Company HSA funding is exhausted before members begin paying out-of-pocket for their medical claims.

Show associate worst case costs in the chart

Include company and plan costs in the chart

Coverage level:

One or more plans below is excluding funding that would reduce the cost of care.

Note: Associates can elect to contribute pre-tax funds to an Optional Health Care FSA. First Solar does not fund this account.

Compare how much you'll spend (continued)

See the impact of using your HSA or FSA

A Health Savings Account (HSA) or Flexible Spending Account (FSA) can help you save on taxes when paying for care and planning ahead for future expenses. .

The maximum amount you can contribute is limited by the IRS. If you will be age 55 or older in 2024, check this box to allow up to an additional $1,000 in contributions.

I am age 55 or older and qualify for the increased HSA contribution limit.

HSA:

My desired HSA contribution: .

HSA contribution changed. Scroll up to see updated chart.

FSA:

My desired FSA contribution: .

FSA contribution changed. Scroll up to see updated chart.

Slide the bars above to show how your additional associate HSA/FSA contributions can help cover your out-of-pocket health care costs. Watch what happens to the chart below including the potential 2024 rollover amount.

Unused account funds you could carry over from 2023, if any:

Funds carried over from 2023: .

Carryover amount changed. Scroll up to see updated chart.

Savings account funding

Cost of care
Annual medical/Rx claims
Claim reimbursements
Annual company funding
Annual associate contributions*
Annual associate contributions*	(to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2023
Carried over from 2023	(to be determined next)
Total funding
Annual claims after HSA/FSA
Applied to cost of care :
Forfeited excess rollover
Potential 2024 rollover amount
*Subject to applicable plan limits.
If annual claims exceed company funding and associate HSA contributions, then you will need to pay the difference with non-HSA dollars.

Associate plan premiums by pay period:

Paid weekly
Paid monthly

Based on your inputs and what you indicated matters most to you, the plan with the lowest employee annual premiums is the the lowest estimated out-of-pocket costs is the the lowest estimated employee total costs is the lowest estimated employee worst case total costs is the access to an HSA with the lowest estimated employee total costs is the access to an FSA with the lowest estimated employee total costs is the .

No plan matched your specified criteria.

Give us your feedback

We'd love to know if this tool was helpful. Feedback is optional and anonymous.

Find out how you can save on taxes

When you finish estimating your health care costs, use the tax calculator to see the benefits of contributing to a plan's tax-advantaged savings account.

Select a plan in the dropdown menu below and then click "Show the tax calculator".

Tax Calculator

Plan: Plan Name

* The maximum contribution you may make has been reduced by the company's funding amount.

Tax Calculator (continued)

Income tax filing status:

Number of dependents:

(Exclude you and your spouse)

Use the sliders above to estimate your eligible out‑of‑pocket health care expenses for the upcoming plan year. Tax savings are based off of 2023 federal tax brackets.

Income tax filing status:
Number of dependents:

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	Carefirst BCBS	UnitedConcordia PLUS DHMO	Cigna
Calendar Year Deductible (you pay)	In-Network: $0 Out-Of-Network: $50	N/A (No deductibles)	In-Network: $0 Out-of-Network: $50 individual / $100 family
Class I: Diagnostic and Preventive (cleanings, X-rays, office visits)	100% of allowable charges	Based on fixed copayment fee schedule. Exams/evaluations are a $5.00 copay. Most other Class 1 services are provided with a $0 copay	100% of contracted rate
Class II: Basic Services (fillings, root canals, periodontics, oral surgery)	In-Network: 75% of allowable charges Out-of-Network: 75% of allowable charges; subject to deductible	Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations.	In-Network: 75% of contracted rate Out-of-Network: 75% of reasonable & customary; subject to deductible
Class III: Major Services (dentures, crowns, bridges)	In-Network: 50% of allowable charges Out-of-Network: 50% of allowable charges; subject to deductible	Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations.	In-Network: 50% of contracted rate Out-of-Network: 50% of reasonable & customary; subject to deductible
Class I, II, & III, Calendar Year Maximum Benefit	$1,500 combined	Annual maximums do not apply	$1,500 combined
Orthodontia	50% of allowable charges	You pay up to $2,900 (2-year case)	50% of contacted rate
Lifetime Maximum Benefit for Orthodontia	$1,500 total for in and out-of-network orthodontia services	Annual maximums do not apply	$1,500 total for in and out-of-network orthodontia services

Carefirst BCBS

UnitedConcordia PLUS DHMO

Cigna

Calendar Year Deductible (you pay)

In-Network:
$0

Out-Of-Network:
$50

N/A (No deductibles)

In-Network:
$0

Out-of-Network:
$50 individual /
$100 family

Class I: Diagnostic and Preventive (cleanings, X-rays, office visits)

100% of allowable charges

Based on fixed copayment fee schedule.
Exams/evaluations are a $5.00 copay.
Most other Class 1 services are provided with a $0 copay

100% of contracted rate

Class II: Basic Services (fillings, root canals, periodontics, oral surgery)

In-Network:
75% of allowable charges

Out-of-Network:
75% of allowable charges;
subject to deductible

Based on fixed copayment fee schedule.
Subject to plan Exclusions and Limitations.

In-Network:
75% of contracted rate

Out-of-Network:
75% of reasonable & customary;
subject to deductible

Class III: Major Services (dentures, crowns, bridges)

In-Network:
50% of allowable charges

Out-of-Network:
50% of allowable charges;
subject to deductible

Based on fixed copayment fee schedule.
Subject to plan Exclusions and Limitations.

In-Network:
50% of contracted rate

Out-of-Network:
50% of reasonable & customary;
subject to deductible

Class I, II, & III, Calendar Year Maximum Benefit

$1,500 combined

Annual maximums do not apply

$1,500 combined

Orthodontia

50% of allowable charges

You pay up to $2,900 (2-year case)

50% of contacted rate

Lifetime Maximum Benefit for Orthodontia

$1,500 total for in and out-of-network orthodontia services

Annual maximums do not apply

$1,500 total for in and out-of-network orthodontia services

Compare how much you'll spend (continued)

See the impact of using your HSA or FSA

Tax Calculator (continued)

Optimal Viewing

Health Savings Account: Tax advantages for HDHP participants

There are other benefits, too

Make the most of your HSA

Who is eligible for an HSA?

See also

Medical Plans

Dental Plans

Compare how much you'll spend (continued)

See the impact of using your HSA or FSA

Tax Calculator (continued)

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Optimal Viewing

Health Savings Account: Tax advantages for HDHP participants

There are other benefits, too

Make the most of your HSA

Who is eligible for an HSA?

See also

Medical Plans

Dental Plans