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@poncho_mike 

Your wife is “covered” by an HDHP and is eligible to contribute to an HSA, because she is covered under your plan, even though she is not the named policyholder.  

In fact, even if you maxed out your HSA last year, your wife was eligible to contribute $1000 to her own HSA, but I didn’t mention it before because you are past the deadline so it is just a lost opportunity.   

For 2022, because wife is “covered” by a family HDHP for 8 months and will be covered by a single HDHP for 4 months, her contribution limit is as I calculated.