In addition to the above:
Don't use the word "we". An HSA is owned by one and only one person. If you and your spouse are covered by a family HDHP, and have no other disqualifying coverage, then you are both eligible to make HSA contributions, regardless of which spouse is the primary insured person, into individual accounts in your own names. Your family limit for 2020 is $7100, this can be split between spouses any way you choose. Your $1000 catch-up contribution is unique to you and can only be contributed to your account. So you could contribute $8100 to an account in your name, or you and your spouse could open accounts and you could contribute $4000 to your spouse's and $4100 to yours, or any similar arrangement. When your spouse turns age 55, they can contribute their catchup contribution only to an HSA in their own name, and assuming your spouse is still eligible (you likely won't be at that point).
If you make your contribution in 2021, make sure to tell the bank prior to the contribution that it is designated for 2020, there may be a special form or election on the web site when you make the contribution.
