Well, it was worth the look.
"My question is, am I considered "covered" by something I didn't know existed?"
I am sure the IRS would say "yes". The HRA would appear to negate your HDHP coverage, which means that any HSA contributions made during the years you had HRA coverage would be in "excess".
I don't know which years are involved (hopefully just one), but you should start looking into amending that year (or years), because if you get into an audit and the IRS discovers this, they may hit you at the least with interest from that time.
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