"We have one HSA account with both our names on it that we contribute to."
That's not possible. HSA accounts have only one owner and only that owner is eligible to contribute (or have contributions made on their behalf) to that account. Given that both Husband and Wife are making contributions through the respective employers it's not clear which spouse owns the HSA and which spouse is making contributions on the other spouse's behalf. To be eligible to receive Husband's $1,000 catch-up contribution, it would have to be Husband's HSA.
When both spouses are making contributions through their respective employers to one spouse's HSA, one must be extremely careful in TurboTax when specifying which spouse's HSA is receiving a particular spouse's deposits via payroll deduction. It might be necessary to delete both W-2s and Form 8889 from TurboTax, then reenter the W-2s, being careful to indicate which spouse's HSA is receiving the contributions, then revisiting the HSA section to reestablish that spouse's eligibility to make the contribution. If the allocation is entered and subsequently changed without deleting everything, TurboTax can get confused.
Check with the HSA account provider to see which spouse owns the HSA. As I previously stated, under the circumstances it would have to be Husband's HSA to receive the $1,000 catch-up contribution. Once Wife reaches age 55, Wife will need her own HSA to receive Wife's $1,000 catch-up contribution. Also check to make sure that presently there is indeed only one HSA that is receiving these deposits and not a separate HSA for each of you.
