As Daniel said, you can do either.
Since filing as "MARRIED FILING SEPARATE ON A COMBINED RETURN" results in a lower tax, file that way.
FIRST, you would file the federal return fas "MARRIED FILING JOINTLY"
NEXT, you would file a "MARRIED FILING SEPARATE ON A COMBINED RETURN" for your Iowa state return.
The state return is one return, both you and your husband are filed on this one Iowa state return.
[EDITED 02/07/2020 |04:59 PM]
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