That's fine. Your eligibilty to contribute is based on your coverage, not who owns the policy. As long as you are covered by an HDHP and have no other coverage, you can contribute.
For 2025, your contribution limit (including employer funds) is $6,966. That is based on being covered by an individual HDHP for 4 months and a family HDHP for 8 months. If you are over age 55, you can contribute an additional $1000.
Remember that HSA accounts are owned individually, they are not joint. Your spouse could contribute to a separate account in her name if she wanted to. Her personal contribution limit would be $5,533, except that anything she contributes reduces your overall contribution limit, because you can't exceed the overall maximum between you.
Lastly, note that if you plan to remain covered by a family HDHP for all of next year (2026), you can contribute up to the family maximum of $8300 for 2025 by using the last month rule, instead of the limits I previously mentioned. However, if you lose your coverage in 2026, you will have to pay a penalty for over-contributing in 2025.
