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I would still encourage a recheck of the coding, as I don't believe the amount directly rolled over to a traditional IRA should flow to that MAGI. I'd expect the 1099-R from the 401(k) custodian to show the amount of the distribution in box 1, $0 in box 2a and a code G in box 7 (Direct Rollover of a distribution, etc.) If yours is different, you might visit with the issuer; they're usually correct, but mistakes can happen.  (I do agree that your access to the 401(k) plan subjects you to the $66k-$76k phaseout (for Single or HOH), but was focused on the role of the rollover distribution in the math.) Don't give up too quickly.....