First, what was the type of HDHP policy? Was it originally Family, then changed to Self-only when you went on Medicare? Or did you keep the Family HDHP policy because there was someone else on it? What matters is what the HDHP policy was, not the particular arrangement of you and your spouse.
Second, there is no such thing as a "family HSA". Every HSA is owned by an individual. Yes, the fact that you both can contribute to your HSA and you can spend money our of the HSA for both of you makes it seem like a family HSA, but it's not. The HSA belongs to one or the other of you. Furthermore, even if you have an HSA, your spouse could have one, too. How I answer you question will depend on whether or not you both have HSAs or not.
Also note that when you go on Medicare, your HSA doesn't go away, you are simply unable to contribute to it anymore. You can still spend money out of it.
Did your wife open her own HSA when you went on Medicare?
Cam back and tell me where things stand vis-a-vis the questions I have asked, and be sure to enter "@" and "BILLM223" (without the space in between) so that I will be notified.
"does that affect her eligibility?" And no matter what you do in terms of an excess on your HSA, her eligibility is not affected in terms of what she can contribute (but the amount that she may be able to contribute may be limited).
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