For a previous tax year, I had primary and secondary insurance coverage. The deductibles for both plans were in line with the HDHP limits for the year, so I took that as meaning I was eligible for an HSA.
A while after filing for that year, I found out that the secondary insurance had also included an integrated HRA. Normally, this HRA would have disqualified me from HSA contributions. However, I wasn't aware of the HRA at the time and didn't disburse from the HRA that year.
My question is, am I considered "covered" by something I didn't know existed? Does the discovery of this HRA impact my HSA contribution?
