I would suggest starting them as early as you can, but also you can bring the plants indoors over the winter and give them water only once in awhile (basically ignore them). With a little luck they will survive until the weather warms again and then they will produce much faster.

I haven't grown Habaneros, but last year grew Lemon Drop and had the same problem of them needing a longer season to mature, so I just recently started two plants in hope of earlier ripening. They also took a little longer to germinate than my other peppers, which I usually start mid-March. Of course, a cool growing season will slow down the plants even if we start them early and we can't do anything about that except hope for the best. Still, it wouldn't hurt to start at least a couple Habs earlier than your others.

last winte i brought my 2 cayenne peppers indoors from the garden. i just dug them up and plopped them into large pots. I wantered them but no other special care was given. they became a little bare but survived. in spring, one went outside and did great and one went to work in a big window and produced as many peppers as the one outside. they both produced earlier and larger than they did originally. the indoor one is almost a small tree - LOL.