"Your wife can't contribute using your payroll deductions under your employer sponsored plan."
I don't think that that is true. If the employer deposits the payroll deduction to the wife's HSA, its treated as a the wife's contribution. TurboTax allows one to specify if the amount reported with code W in box 12 of the W-2 is a contribution to the employee's HSA or a contribution to the HSA of the employee's spouse.
