You are suffering from hormonal changes causing Androgenetic alopecia causing hair fall. It's completely stoppable even regrowth of hair is possible with certain medications without any side effects. Treatment depends on the grade of hair loss. So, it's a must for diagnosing which grade, you are in for an effective treatment. Please  send photos of your head, by direct online consultation for accurate diagnosis and proper treatment.

Yes you have to use minoxidil for a long term. Stopping minoxidil may give you some hair fall. The cause of your hairfall has to be thoroughly evaluated before concluding anything. Kindly take up an online consult for the same.