Hello Basith,
Hope you're doing great and liking your new job!
1. Yes, you can roll over your retirement funds from your former employer into an IRA. It is better to do a direct transfer rollover instead of getting a check in your name. Just do a trustee-to-trustee direct transfer, this way you will not be subject to the 20% withholding.
Yes, you can contribute to an IRA as long as you have earned income (subject to contribution amount limitations). I may be deducted from your gross income provided you're not an active participant in an employer plan during the year. Roth contributions are always with after-tax money.
2. In order to contribute to a Health Savings Account, you have to have a High Deductible Health Insurance Plan. You may call your insurance company and ask them if your policy is HDHP.
3. If your policy is a family policy then yes, your HSA account can be used for any member of your family.
Hope it helps.
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