More information is needed.
Are you talking about 2025, 2024 or both?
Who owns the HSA? An HSA is owned by one person only, there are no joint or family HSAs. Are you the owner, or your wife, or do you each have accounts. How much was contributed to each account?
Are you or your wife or both age 55 or older?
How were you covered in 2024 and 2025? If you were covered by a family HDHP, then you can contribute up to the family limit even though your wife has other coverage (such as, you kept the family plan at your job so your wife would have secondary coverage). However, if you downgraded your coverage to single, then your limit is reduced.
We can give more specific help if you can answer these questions.
