For your wife's contribution limit, the two periods are analyzed separately:
For January through November = $8,000 x 11/12 = $7,333
For December = $4,500 x 1/12 = $375
Total 2019 contribution = $7,333 + 375 = $7,708
If her Medicare coverage began in March 2020, she was only HSA eligible for two months. The 2020 contribution limit is $3,550 + $1,000 catch-up contribution for taxpayers over age 55. Therefore
$4,550 x 2/12 = $758 2020 contribution limit based on the information provided.
Pub 969 Tax-Favored Health Plans
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