All contributions count, no matter who makes them.
Each HSA account is owned by one person, there is no such thing as a joint account. Contributions are considered individually, but there is also an overall family maximum. The $1000 catch-up provision for persons over age 55 is individual only.
You are eligible to make HSA contributions until you enroll in Medicare. Your eligibility is determined on the first day of each month. If you enroll in Medicare at any time in the next five months, your enrollment will be retroactive to July 1. That means you are only eligible to make HSA contributions for six months (Jan-June). Your contribution limit for 2022 is 6/12 of $7300=$3650, +6/12 of the $1000 catch-up provision=$500, for a total of $4150.
As long as your spouse is covered by a family HDHP, her contribution limit for 2022 is $7300 plus the $1000 catch-up provision, for a total of $8300. If she changes to a single HDHP at some point, then her contribution limit is $608 for each month she was covered by a family HDHP and $304 for each month she was covered by a single HDHP. As long as she is covered by some kind of HDHP for all 12 months, her catch-up allowance is the full $1000.
However, you can’t exceed your overall combined family maximum. In the simple case where both of you are covered by a family HDHP for the entire year, your overall family maximum is $7300, plus $500 for your catch-up provision, plus $1000 for your spouse’s catch-up provision. So you could contribute $4150 and your spouse could contribute $4650, or you could contribute $500 and your spouse can contribute $8300, or some other combination, as long as the contribution to your specific account is not more than $4150, as previously calculated. Calculating your overall family maximum if your wife changes to a single HDHP at some point becomes a little more complicated, and rather than calculating all six scenarios, you could just let us know which month she would switch over her coverage, and we could help you with that calculation.
