I have HSA health insurance at my job and an HRA through my hubby. Can I keep the HSA quiet?

Your HSA-qualified plan does not "suck". It allows you to deduct up to $6,000 off your taxes. Your husband's insurance plan can't do that for you. The money in your HSA is your money, and as long as you use it for medical expenses, you don't have to pay taxes on it. However having an HSA and getting the tax advantages means that you're enrolled in an HSA-qualified plan, which your husbands plan that I'm guessing has co-pays is giving you benefits before your deductible which means that you're not supposed to be using money from an HSA. If your employer is reporting their contributions to the IRS as part of your compensation - yes you can get in trouble if you're using a co-pay style plan. To answer your question, though, the IRS will probably not notice unless YOU are putting money into the HSA and claiming a deduction.

Disregard my previous answer. New answer: The tax laws of the United States of America prohibit contributions to an HSA for a person who also has the ability to use a spouse's HRA to cover medical expenses. Whether you choose to use the HRA or not is irrelevant. If you can use it to cover your medical expenses, then you must stop your employer from contributing to the HSA, and will owe taxes and penalties relating to the contributions that have already happened. Contributions to an HSA may occur only if either (a) you are not married, (b) your spouse does not have an HRA, or (c) your spouse's HRA states that it can be used only for your spouse's medical expenses (or your spouse's medical expenses and your spouse's children's medical expenses) and cannot be used for your medical expenses. For reference, my original answer was: An HSA is not insurance. An HSA is a type of savings account. An HRA is also not insurance. You do not have to use the HSA for anything. You can (and should) use your actual insurance for as much as you can, and save the HSA and HRA for the extra stuff. However, if you have two actual insurance plans, then you do not get to pick which is primary and which is secondary. You must use whichever is primary according to the birthday rule, or not use either one. You cannot use only the one that is secondary according to the birthday rule.