You are both eligible individuals and you both have Single HSA coverage and both pay the maximum in individual HSA contributions.
You may increase your contributions but the contributions will be considered excess contributions subject to an annual 6% penalty.
If you are both eligible individuals and one spouse has Family HSA coverage, both spouses are presumed to have Family HSA coverage.
However, you may choose to have one spouse pay $5,000 and the other spouse pay $2,300 or any other division that you would like.
See IRS publication here.
Rules for married people
If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage. If each spouse has family coverage under a separate plan, the contribution limit for 2021 is $7,200.......The contribution limit is split equally between the spouses unless you agree on a different division.
The rules for married people apply only if both spouses are eligible individuals..
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