If an HRA will reimburse me $3,000 for known expenses, is there any reason I should opt to not have an HRA, but have an HSA instead? 1) Yes, I have a HDHP. My employer tells me that they offer both HSA and HRA. 2) I know for a fact I have well over $3,000 in out-of-pocket medical expenses (hospital). My employer’s HRA covers hospital expenses. Since the max I could contribute to an HSA would be a little over $4,000 per year (tax-free), doing back of the envelope math, if tax…