@Dan149
One more thing. You want to make sure that your fiancé spends the FSA completely before the end of 2022. If there is a balance in the FSA on January 1, 2023, even if your wife did not re-enroll for 2023, she may be covered during a grace period for the 2022 plan. That would make you ineligible to contribute to an HSA until the grace period ended.
