@tabshe17 - other ideas....
1) any reason you can't drop your wife from your insurance plan now? That could be considered a "Qualifying Life Event" Sugget checking with your HR / Payroll department
2) any reason you can't wait until Open Enrollment for 2023 and therefore 1/1/23 to move your spouse to her new employer's plan? No sense paying for two premiums for one person since you can't claim to both in any event.
3) Waiting to establish her HSA until Jan, 2023 shouldn't be an issue, since any expenses for her, you or your dependents can be claimed to either HSA in any event.
4) as a family - whether from her new HSA (if you establish it in 2022 or not) - the maximum 2022 contribution is $7300, including anything the employers kick in. (assumes you are both under 55 years old).
@Opus 17 - $7050??? I think that relates to the maximum out of pocket the high deductible plan can require to 'max out' on paying for deductibles, co-pays, co-insurances,etc under single coverage to meet the definition of a 'high deductible' plan. It's $14,100 for family plans. This is all unrelated to an HSA, right?
