@W16VA
I assume she cannot enroll into a HDHP plan by herself, at the start of 2026, to be independent of her work's open enrollment later in July 2026.
You should verify this with your wife's employer. An employee is almost always allowed to change their insurance outside of the normal enrollment period in response to a "qualifying life event." Losing her insurance (because your insurance will end 12/31/2025) is almost always a qualifying life event. No matter what she chooses for her workplace plan in August 2025, she can probably re-enroll in something different effective 1/1/26, based on the "life event" of losing your coverage.
