"Since there is only one HSA account to consider,"
I don't see that stated. Also, it's rather lame to have to falsely answer None to accommodate the persistent bug in TurboTax where TurboTax incorrectly determines that there has been a lapse in coverage that results in a penalty. How can TurboTax even conclude that there was a lapse in coverage if all 12 months show family HDHP coverage (if it's the case that there was family coverage for all 12 months of the year)?
Because your wife is covered by the family HDHP plan she is eligible to contribute to an HSA. If you did not contributed the family limit to your HSA, your wife is eligible to contribute the remainder of the family limit to her HSA as long as she was covered in December. Also, if your wife is over age 55, she can contribute the her catch-up contribution to her HSA. However, these contributions can only be reported in TurboTax if you tell TurboTax that she has family HDHP coverage. If None is selected for each month, TurboTax will erroneously indicate that your wife's contribution limit (without regard to your contributions) is $0.
