While you can use the funds in an HSA at any time to pay for qualified medical expenses, you may contribute to an HSA only if you have a High Deductible Health Plan (HDHP). Since you no longer are enrolled in an HDHP you are not eligible to make contributions to your HSA, but you may request withdrawals for qualified medical expenses.
HSA funds can be spent to cover out-of-pocket healthcare expenses for you and your family. So long as the money is used for qualified expenses, An HSA withdrawal ( HSA distribution ) is not taxed or penalized.
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