I have been looking for an answer to this question and have received different answers, even on this website. Thank you so much for clarifying what I believe the IRS says in their publications. My family is enrolled in a HDHP that has a $9k deductible with an integrated HRA that is post deductible. It doesn't reimburse any claims before $4k. After $4k in claims have been paid, the HRA will reimburse the next $2kin claims. It appears HSA participation is still allowable under these circumstances because both the HRA and the health insurance plan meet the IRS minimum annual deductible to be considered HDHPs.
