since your wife's HDHP covers you you have a family HDHP. (IRS rule if one has family coverage both have family coverage) Thus the maximum HSA between the two of you (2-hsa accounts) is the family max of $7750, provided you are not covered by nonqualifying health insurance and neither is over 55. there is no such thing as a family HSA. They are individual accounts. so if your wife has an HSA in her name you can establish one in your name. what you can contribute depends on what her's was for 2023. So your max assuming the limit is 7750 is 7750 less what went into her plan for 2023. you have until 4/15/2024 to make your contribution for 2023
do realize that nothing is gained from a tax standpoint by having two HSAs. since with family coverage your wife can contribute the max to her account (either through her employer and if the max is not reached, she can make personal contributions. Her HSA can be used to pay for your medical expenses.
there might be a downside to having two a/c's if there were fees for maintaining the accounts.
