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HSAs rollover year to year. You never lose your money. If you enroll in another plan (like a PPO or HMO) that is not a qualified high deductible health plan, you can use your funds in your HSA but you can no longer contribute to your HSA.
Yeah of course!
One point. If you open an HSA mid year, you can only contribute a prorated portion of the IRS max. If you contribute more, that can be OK, but you would need to be HSA-eligible for the duration of the following year. In other words, you couldn't join a HDHP in September, contribute the max $3,550 or whatever, and then go back to a non-HSA-eligible plan in January.