Facebook benefits: HSA and After-tax 401K
40+ considering joining FB. I might look at things that young folks do not care that much.
1. Does FB offer HDHP thus for me to open an HSA? If so, how much seed money and how much is the deductible? If not, say for PPO and EPO, what insurance companies? (I am with United Healthcare right now and quite happy with its networks) how much do you pay biweekly for a family EPO? Any copay and deductible?
2. Does FB offer after-tax 401K? If so, any limit on how much you can contribute to after-tax portion (obviously the total of before-tax + company match + after-tax <= 5X K per IRS)? Does it allow in-service withdrawal? Frequency? Or the money has to stay in 401K? Can I rollover to Roth 401K in that case?
As a comparison, I am quite happy with Oracle’s after-tax 401K. It allows unfettered in-service withdrawals to my Roth IRA. As for limit, I think it is up to 15% of salary.