@Jayyyyy
if you are covered by an FSA, then your wife is not eligible to contribute to an HSA. Assuming your FSA covers you through December 31, 2021, your wife would not be eligible to make HSA contributions until January 1, 2022.
When you switch insurance plans may depend on other factors. It sounds as though your wife is eligible to switch midyear. If she is only eligible to switch midyear, but you expect your health care needs to be inexpensive, then you might find yourself paying higher than necessary premiums from January 2022 until your wife is able to switch plans. If you switched plans now, you would be able to begin contributing on January 1, and you would be paying the lower premiums in the meantime. If your wife would be eligible to switch effective January 1, then that would seem to be the most sensible time to switch.
You do not need to switch to an HDHP yourself in order for your wife to make contributions to an HSA, but you can’t re-enroll in the FSA next year.
