Hi,
I have insurance via my employer – BCBS. I was on a high deductible, HSA eligible plan for a few years and I switched to a PPO plan in 2022/23. My employer no longer contributes to HSA but I still have the account and some balance in it. I have two questions.

1. Can I contribute to HSA account as an individual and will that be eligible for tax exemption?
2. My current HSA account has a monthly fee for not maintaining minimum balance. Can I close this account if option 1 is not viable? Will it affect credit score or anything?

TIA!