More than one HSA

[Guest BruceC]

If I've been self employed and contributed to an HSA over the past 2 years and then began work for an employer who offers an HSA, I understand that I can continue to keep the original savings account even though I've discontinued the associated HDHP, and may make contributions to it or the new employer's HSA, providing I don't exceed that annual contribution limit between the two...correct?

But what happens if I leave the new employer in future years and start another job the provides non-HSA health coverage. May I continue to keep the 2 HSA accounts and use the $$ to pay QME's I pay under the second ER's health plan (deductibles and copays)? If so, I'd assume that because I'd no longer have a HDHP that I would not be able to contribute to them.

Thanks

BruceM