Thank you for the additional 'sidebar' warnings and recommendations!
I certainly learn more from the discussions, topics which never cross my mind until this stage in my life.
I am not expecting anything from my employer relating to Salary Deferral or my wife's own HSA.
I would be happy if she can contribute to her HSA via her IRA money, own salary or savings, as long as our joint return get a HSA deduction, as I do not qualify for my own HSA.
I will ask and ensure that the plan managing bank recognizes that her share and money is separate from the plan premium, and stay within the rules as much as I am learning about.
