Per PP: I think you can have both HSA and FSA. Our FSA has a $500 rollover and that works OK for me at the moment. I don't know what HRA is.
Oh - I see. It does have a limit per IRS of $500. So a person can and will lose money if you don't spend over $500.
Per PP: it seems like many of us have a bit of confusion about
HSA plans. The one I was offered, it was basically a very watered down version of my PPO plan, but with low premiums, high deductibles, high out of pocket costs, and the company for which I was employed gave about
$1000 in an account to use to cover costs. That money rolled over. This is great for healthy people, but not so great for people who are definitely going to use the $1000 and then some.
I really think you are describing a HRA instead of a HSA.
There are no premiums with a HSA. It really is a simple savings account for medical expenses (both employer and/or employee can contribute).
Did you read the IRS link posted previously?
Here is a quick link on differences between HSA and HRA./www.diffen.com/difference/HRA_vs_HSA