"We" can't open an HSA. HSAs are individual accounts. Your wife can open an HSA and contribute up to $9300 for 2024, assuming she was covered by a qualifying HDHP for all of 2024 and did not have any "other" medical coverage that disqualifies her from making contributions.
You are disqualified from making any contributions to an account in your own name because, even though you are covered by an HDHP, you also have "other" coverage that is not an HDHP (Medicare).
