It is not obvious, but if one spouse has Family coverage, then the IRS considers for purposes of calculating the annual HSA contribution limit that both spouses share the same Family coverage (despite the fact that your spouse had a Self-only policy).
That is, you and your spouse share the $7,200 Family between you - you could put all 7,200 into your HSA or all 7,200 into her HSA or split the 7,200 any way you like.
What you cannot do is add the $7,200 Family limit to the $3,600 Self-only limit and have a $10,800 limit for the two of you. Your contributions are considered in the aggregate.
If I understood your situation correctly, then I am thinking that your spouse contributed $1,600 to her HSA. Your limit is $7,200 (unless one or both of you are 55 or older), and when you subtract your $6,100 and her putative $1,600, this results in a deficit (the excess) of $500.
Does that makes sense?
@JDS250
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