Are you saying that his employer FSA plan allows a carryover and not a grace period? Hmmmn, grace periods are more common than carryovers, which is what I assumed "rollover" referred to.
In that case, I would urge you guys to spend that carryover money as quickly as possible and document it when it is gone. Then in the month after the last of the carryover is gone, start your HSA contributions.
What you do NOT want is the choice to pay for medical expenses from either the FSA or the HSA (yes, I recognize that you don't have anything in the HSA yet). We don't want any overlap between the two.
Just make sure that in no month can he pay for medical expenses from his FSA while you are contributing to the HSA.
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