If you are married and your spouse has a Family plan, then both of you are considered to be covered by a Family plan even if your own separate plan is Self-Only.
From the IRS Publication 969 Health Savings Accounts and Other Tax-Favored Health Plans,
"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 2024 is $8,300."
If this is the case for you, TurboTax is correct. If this is not the case, let us know and we will take a closer look.
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