Even though an IRA is owned by an individual, the limit and deductibility for the IRA contribution depends on whether your OR your spouse if covered by a retirement plan at work.
If I remember the questions you are referring to, the first question will be for your husband (is he covered by a retirement plan at work), to which you can answer "No". The second question asks if you (the spouse) is covered by a retirement plan at work, to which you answer "Yes" (assuming that you are covered).
Please see this IRS webpage for more information.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
