1. So when you say, "Wife enrolls in 2025 HSA (husband IS NOT on the plan)", do you mean that the wife is covered by an HDHP policy? Is it Self-only or Family (it is possible to have a Family HDHP policy with one spouse and one or more dependents, but not the other spouse)? You are right, it is a family with one spouse +dependent (without the HSA spouse) plan.
2. "Grace period?" Rollover from 2024 to 2025 means rollover the remaining balance from 2024 to 2025. So, in 2025, do you mean after the husband empties the remaining balance of the FSA account, then the wife can contribute to HSA, or does it mean the wife can't enroll in the 2025 HSA due to the husband having a rollover balance from 2024 FSA to 2025 FSA?
Thank you very much for your help.
