If your wife had health coverage in addition to the HDHP (ESRD Medicare?) then she is not eligible to contribute to an HSA. You may be eligible to contribute to an HSA if you were covered by an HDHP, even if it was in your spouse‘s name. You may need to have an expert review the situation, or give us much more detail, to make sure that you are not going to get a nasty letter from the IRS later in the year.
