If your wife is covered by a qualified HDHP, she can make contributions. She does not have to be the "owner" of the policy.
Assuming you are both covered by a family HDHP, you share the $8550 family limit. You can each contribute up to that amount (including any employer contributions) and you can split the family limit any way you like, but your combined contributions can't exceed the overall family limit of $8550 (for 2025). Also note, if you can make contributions via payroll deduction, that will save more in taxes, because in addition to be excluded from state and federal income, your workplace contributions are excluded from social security and medicare tax. So employer contributions save 7.65% more in tax than after-tax deductible contributions.
If one or both of you is age 55 or older, that person has an additional $1000 catch up contribution limit. The catch-up contribution must be made to the person's own account only, it can't be split or put in the other person's account.
