Thank you very much for a detailed explanation. The only part I am unsure about is that the company doesn't provide a "grace period" but a "rollover" for FSA. So, can we use the "grace period" rule for the "rollover" plan? If so, the plan must be exhausted in 2 days to meet the "grace period" rule, correct? Then, use the "last month rule" to contribute to the full-year HSA plan, correct?
