MM Monster Description: flameskull ignores somatic components
The MM mentions this not once but twice. In the MM description of the flameskull, it says:
[...] its undead transformation grants it full access to the magic it
wielded in life, letting it cast spells while ignoring the material
and somatic components it can no longer employ.
Further that point, under its Spellcasting feature in the flameskull's stat block, it says (emphasis added):
The flameskull is a 5th-level spellcaster. Its spellcasting ability is Intelligence (spell save DC 13, +5 to hit with spell attacks). It requires no somatic or material components to cast its spells.
No spell listed in the stat block requires a somatic component for the flameskull to cast it.
What is a somatic component? (PHB, CH 10, Spellcasting)
Somatic components consist of a gesture, or a set of gestures:
Spellcasting gestures might include a forceful gesticulation or an intricate set of gestures. If a spell requires a somatic component, the caster must have free use of at least one hand to perform these gestures.
Since the flameskull, in a case of Specific Beats General (Basic Rules, p. 5), ignores somatic components for all of its spell casting, no gesture is ever needed for the flameskull to cast the spell, no free hand is ever required to cast any of its spells, and from those two it follows that no hand (at all) is necessary to cast any of its spells. Your question gets hung up on
the caster's pointer finger
The flameskull doesn't need a finger, nor a hand with fingers on it, to cast the fireball spell nor any of its other spells.
As the newest flameskull on the block might say:
"Look, Ma, no hands! I cast fireball!"
Lo and behold, a fireball goes off...