> I looked into getting a HSAs through my consulting LLC last year due to the tax benefits, but my current (day job) employer plan includes a mandatory HRA.

IANAL, but I'm pretty sure those are entirely orthogonal. You can have both an HRA and an HSA.

An HRA is exclusively employer-funded. An HSA is something you can enroll in if you have a high-deductible health plan. You can have an HSA through your employer or independently, and either you or your employer can contribute to your HSA, subject to the annual cap.

There is also the FSA, which is similar to an HSA, except the money expires at the end of each year. Confusingly, if you have an HSA, you can have an FSA, except then the FSA can only be used for a very small set of expenses, rather than the full range that FSAs otherwise allow.