Use of HSA with an HRA

[maktax77]

I have a few questions about the use of HSA with an HRA.  I contributed to an HSA for several years before I retired from my previous company and continued to contribute to the HSA post retirement.  I than joined another company which had good medical insurance coverage and came with and HRA ($2000 employees plus $2000 for spouse).  Here are my questions:

1)  Can I continue to contribute to my HSA?  From other posts it appears that the answer is NO.

2)  Can I pay for qualified medical expenses that are not covered by the HRA?  (My wife exceeded her $2000 of HRA .)

MAK

[dmertz · Accepted solution]

1. You are correct, you generally are not eligible to contribute to an HSA when you are covered by an HRA.  The HRA is considered "other medical coverage" unless it is a limited purpose HRA.
2. Yes, you can use distributions from your HSA to pay for qualified medical expenses that are not paid from your HRA or insurance and not included on Schedule A in figuring your medical expense deduction.