@Maintguy Your wife could also potentially open an HSA now and make a contribution directed to 2018 up to $4450, and deduct it on your 2018 tax return, if you do it before April 15 and make sure to tell the bank this is a directed 2018 contributions. Then she could contribute up to $4500 for 2019. Assuming she remains on a qualified HDHP and does not go on Medicare or some other type of insurance.
