Thank you for your very clear reply!
Indeed I did not know to get my own HSA earlier, and now being under part A took away that option.
I just try to find out the last chance to get my wife her HSA, since her work has Aetna but not with any HDHP option.
1. I will proceed with a family HDHP plan which has Inspira to manage HSA. I will find out whether they would handle my wife's HSA, since I can't have my own. How would the contributions take place, monthly or as a lump sum, up to the limits within each year?
2. I plan to stay on such HDHP plan. working for another year or two, would her HSA's contributions be prorated to those months I am still covered by that plan? If I happen to retire early during a year, I assume the remaining months can not allow any further deductible contributions.
Finally, I hope such HSA money can be used later while we both no longer can be in any HDHP.
Thank you!
