From the IRS:
Rules for married people. If either spouse has fam- ily HDHP coverage, both spouses are treated as having family HDHP coverage. If each spouse has family cover- age under a separate plan, the contribution limit for 2020 is $7,100. You must reduce the limit on contributions, be- fore taking into account any additional contributions, by the amount contributed to both spouses’ Archer MSAs. After that reduction, the contribution limit is split equally between the spouses unless you agree on a different divi- sion.
The rules for married people apply only if both spouses are eligible individuals.
@Mike9241 is correct. Since your wife is not an eligible individual since she is covered by a non HDHP you can only contribute the amount allowed for single coverage.
