from pub 969 (modified for your situation)
Qualifying for an HSA
To be an eligible individual and qualify for an HSA, you must meet the following requirements.
• You are covered under a high deductible health plan (HDHP), described later, on the first day of the month.
• You have no other health coverage (a non-HDHP)
• You aren’t enrolled in Medicare.
• You can’t be claimed as a dependent on someone
Under the last-month rule, you are considered to be an eligible individual for the entire year if you
are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers).
If you meet these requirements, you are an eligible individual even if your spouse has non-HDHP family coverage, provided your spouse’s coverage doesn’t cover you.
is she still eligible because she's covered by my plan (even if as a secondary)
Since you have HDHP family coverage on 12/1/19 both are treated as having family coverage all year. it also seems your coverage does not include Non-HDHP coverage. I conclude that you can contribute $7,000 but it all has to be to your a/c.
