you are correct she is ineligible and so can not contribute to her HSA a/c.
however, it seems that under the rules since you ONLY have a HDHP that is a family plan you can make a $7,000 contribution to your HSA.
tt firm 8889-t
line 1) check the box to indicate your coverage under a HDHP - check family since that's what you had
line 2) enter the contributions you made to YOUR HSA a/c I assume this was $7,000 (do not include any employer contributions) do if the entire $7,000 was thru your employer enter o (the amount coded a 12w on your return will flow to the form)
line 3a) smart worksheet - if you had family HDHP coverage on 12/1/19 you had it every month (you only have to click the December family checkbox
line 6) smart worksheet. the IRS allows splitting of the contribution any way you want, but that must follow the account that received the contributions. there is no such thing as a joint HSA a/c. Spouse A may have one and spouse B may have one. all the contributions for the year except the over 55 catch up can go into one a/c or the other. the over 55 can only go into that person's HSA if they are eligible. so unless some of the $7000 went into her HSA leave 6c blank
f you personally made all the HSA contributions into your a/c you should see on schedule 1 line 12 the deductible HSA contributions.
FYI there was a somewhat similar question a few weeks ago which goes something like this. husband over 55 covered by family HDHP all year and deferred starting Medicare (if you are on Medicare its a non-HDHP so you don't qualify to contribute to HSA. wife starting medicare in April
husband could make make $8,000 regular $7000 + $1000 catchup
wife could make catch up of $250 (1000 catch up prorated for 3/12 of year - period not covered by medicare.
