@manchicken I never had those issues, but I always thought the "lose it" part was a scam. It should be setup so that you just rollover, and if you lerave the plan, you pay taxes on what you didn't use and keep the money.

HSAs and 401ks are also scams. The financiers get to invest your money and you take all the risks, although it's hard to accumulate enough in an HSA to start investing with it. Made for richer people than me.