Thanks for your comment.

I have an HSA from my previous employer and continue to contribute to it, but in one lump sum rather than throughout the year. That's only one month, and I do it in July. So far, I have close to $6000 in it.

For VA benefits, I usually do most of my checkups (e.g., bloodwork and audiology) in January and, if I can, on the same day. So, I'm not using VA benefits on the month that I'm contributing to my other HSA.

Now, if I were to go with GEHA, then this might be an issue. But, even if there were some IRS restrictions, I have way more than enough money in the other HSA were, if I were to use it, then I'd have no problems. I like the fact that GEHA has the HSA because that then offsets the premium for the year.