I appreciate all the help everyone. I thought I would add more detail to see if it changes anything. I am married now as of September 2022. (Yay!) Before we got married, my wife had a non HDHP with an FSA account that from what we can tell goes from May to May of each year. I have a Family HDHP and HSA account due to other dependents. I just recently changed my wife to my HDHP but she is being told she cannot cancel her FSA because she has spent more than she has contributed to it even though they have cancelled her insurance due to the life event. Due to this, I have cancelled my HSA contributions for the rest of the year. I have read conflicting information across multiple websites so wanted to make sure I understand the implications. If she has to continue contributing because she was FSA eligible and has spent more than contributed so far in the FSA, does this mean I will not be HSA eligible till 2024? Can we use after tax money to pay off the remaining balance in the FSA account or maybe use my HSA account to pay off her FSA debit so the FSA can be terminated due to us getting married?
