No, the premiums for her personal health insurance are not qualified medical expenses for the purpose of an HSA distribution. However, they are qualified medical expenses for the purpose of a Schedule A medical deduction.
Once both you and she have reached age 65, premiums for her Medicare coverage or a Medicare supplemental policy would be qualified medical expenses for the purpose of an HSA distribution from your (not her) HSA. (Only the HSA owner needs to be age 65 for Medicare premiums of the HSA owner to be qualified medical expenses.)
