Haro has specified on their website on certain bikes that include sealed hubs. The F3 does not have that specification, so it is very likely that your bike doesn't have sealed bearing hubs.
Is this bad? No, not really.
Sealed (or cartridge) bearings, are more resistant to abuse and easier to maintain then unsealed bearings. If your wheel wobbles from side to side. Not like your rim is bent, but you put your hand on the wheel and can feel it jiggling around, then that means you need to tighten your cones on the hub. This process is something you have to deal with MUCH more frequently with unsealed hubs than with sealed hubs. Also, because the bearings are being pressed on directly by the cones, it can be tough to judge how much pressure to put on them. Very quickly, the bearings can be destroyed and you will need to get new bearings or new cones, or both.
But, if you are careful with your hub by maintaining it properly, it can last you several years with no problems. I would just use the hub until it starts causing you problems, then look into getting a new wheelset that includes chrome rims and sealed hubs.
Hubs are designed specifically to accept sealed bearings, so you can't convert your hub from an unsealed version, to a sealed version of the same hub. You have to get entirely new hubs.