was the health plan with her employer a family plan or self-only? was your personal plan self-only, family or were you covered by her family plan?.
the issue is that with a self-only coverage the maximum is $4300 for her account (not over 55). the same applies to your account if you had self-only coverage. however if either of you had family coverage ($8550 max which can be split anyway you want between the two accounts. you indicate on both family coverage on both HSA forms.
each person can contribute an extra 41000 to their HSA account if 55 or oleder on 12/31/2025.
with self-only coverage (both) any excess must be removed from that account.
