You disregard the self-only HDHP plan. You don't disregard the HSA contributions. You can allocate the $7,100 contribution limit however you want to (and then it gets wonky if one or both spouses are over 55). But you can't have total contributions in excess of $7,100 between TP and SP HSA accounts (assuming both under 55). If you have TP contributions of $3,550 and SP contributions of $7,100 then you're over the limit and something needs to be corrected ASAP. If you have $2,000 TP and $5,100 SP, no worries, you just need to convince the software to put the right numbers on Line 6 of your 8889 forms.