If one spouse has family coverage, both spouses are treated as having family coverage only if both spouses are HSA-eligible individuals because both are covered by qualifying HDHP plans (one has family HDHP coverage and the other has either family or self-only HDHP coverage) and have no disqualifying coverage. In this case your wife will not be eligible to make an HSA contribution to her HSA, only you will be eligible to contribute to your HSA (up to the family limit if you maintain the family HDHP coverage the entire year).
