Hey, first of all, thank you very much for your response!
Yes I have an HDHP coverage through work last year, and yes she enrolled in FSA and became effective September of last year.
I have a Self-only plan which would be $4150 max contribution.
So since my wife started her FSA on September, that would mean that I was still eligible to contribute from January to August, which would be $2766.64 max contribution for 8 months. Me and my employer had a total of $1820 contribution last year(plus $100 from my wife's FSA if that counts towards the limit) and I'm still below the max total contribution.
My wife's FSA was a healthcare FSA, which I think conflicts with my HSA contribution. The $100 would be the fund from the previous year which was already included in my wife's W-2 last year. I talked to Cigna(where the FSA is from) and they said that those funds will expire after the grace period of 90 days.
So from what I heard, the grace period is still considered a disqualifying event for me to contribute to my HSA.
