UPDATE that may help the OP as well.
Everyone was right, the algorithm was stuck thinking my wife had a HSA as well because at one point I indicated that she was covered by a HDHP plan (she is under our family one, I am only one working). In order to stop the madness, I absolutely cleared both HSA spots (federal and other sections), saying we both didnt have one, and starting over. I said my wife was never covered by a HDHP plan and only I contributed 7,300 and it worked this time. So I learned to "clear the algorithm" and completely start over, clearing both HSA sections.
