The $7,100 family limit applies to married couples even if one spouse is covered by a family plan and the other spouse has their own individual plan. In this scenario, the couple may split their respective contributions any way they like, as long as the couple's total contribution doesn't exceed $7,100. (Spouses 55 or older at the end of 2020 are allowed to contribute an additional $1,000 to their own HSA.) Only the bonus portion is specific to his HSA account, the rest of his contribution ($1600) can be used for the joint contribution limit of $7100.
Your $6500 represents your $1K bonus and $5500 of the joint limit of $7100. His employer contribution of $1600 max out the joint limit of $7100. If he was the only one with an HSA, both amounts would have been pro-rated as Bill described above.
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