As you know, neither you nor your spouse can contribute to an HSA, so long as either one of you has FSA coverage.
So I am not sure if I understood you, but if you have an FSA now, your wife cannot contribute to an HSA this year, even if she gets an HDHP policy in August.
OK, how about next year, when I presume that you will be clear of the FSA?
One way to do the maximum contribution for an HSA is to do an HSA Funding Distribution (HFD). This is a one-time transfer from an IRA to an HSA, done by the IRA custodian. Note that this distribution counts against your annual HSA contribution limit, so if your annual HSA contribution limit is $9,550 ($8,550 for Family coverage and $1,000 for additional contribution for being 55+), then the most you can transfer from IRA to HSA is $9,550. In the case, you would not contribute anything else.
Other notes: The IRA being used must belong to the HSA owner. Also, if you do an HFD, you must keep the HDHP coverage for the next year (from the start date of the transfer)., or else you will pay penalties and additional taxes.
"Once she gets the HSA, if family max allowed, I might not sign up for anything on my Enroll. " - you must not sign up for FSA coverage, because in that case, neither one of you could contribute to the HSA.
There are a very few exceptions to having other health coverage in addition to having HDHP coverage. You can read about them in PUB 969, page 5 under "Other health coverage".
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
