So, I've had HRA for a few years. HRA is employer owned (you leave the employer, you lose HRA money). I've got about $5k in that. Our HRA and HSA is administered by the same bank. I signed up for HSA for 2015. If I switch back to HRA next year, will I still have those $5k? I went through all the HR documentation and couldn't find anything. Our company started offering HSA for 1st time this year. I just didn't want to alert HR if there's no policy in place.