So you are saying that you have already contributed funds to your HSA?
The thing is that excess contributions (contributions in excess of your computed annual HSA contribution limit, which an FSA affects) are done on a calendar basis. Also, there are no dates attached to contributions either. This means that it does not matter whether or not you were covered in any particular month under an HDHP policy with no conflicts, it only matters that when at the end of the year, do your contributions exceed your computed annual HSA contribution limit.
So if you are going to assume that you are clear of the FSA at some month in 2025 and start your HDHP coverage on the next month, if what you contributed already does not exceed the calculated annual HSA contribution limit, then there is not need to remove anything from your HSA. Note: this is called "withdrawal of excess contributions" at your HSA website.
Note that I don't have enough information from you to tell you if you will have excess contributions or not.
"Is there a rule that the 2025 HSA contribution is through 4/15/2026?" - See below.
"So in 01/2026, two contributions can be made (one for 2025 and another for 2026)?" You CAN contribute in 2026 for 2025, up to the due date of your 2025 return (April 15, 2026). Note that if you do this, you MUST make sure that your HSA custodian is aware that the contribution is for 2025, or else it will default to 2026.
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