I answered my own question by looking at this website:
https://www.irs.gov/retirement-plans/ira-deduction-limits
https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-and-deduction-l...
https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-and-deduction-l...
So, even though... let's say my husband made $85,000 and I made $40,000, since we are married filing jointly and our MAGI exceeds $118,000, his Traditional IRA is not deductible because he is covered by a retirement plan 401(k) at work. However, since I am self-employed and not covered, I can still contribute and it will be deductible because we are married filing jointly and our income is less then $184,000. This is for the 2016 tax year.
