TurboTax does the calculation correctly.
"Marie’s MAGI is $144,175 (it’s not, that’s our combined MAGI)," There is only one MAGI on a joint tax return and is the MAGI of both of you.
In addition to verifying that Marie's W-2 does not have box 13 Retirement plan marked, make sure that you have identified your W-2 as belonging to you, not to Marie. Edit your W-2 in TurboTax to check.
If Marie's W-2 has box 13 Retirement plan marked, perhaps the company provides a pension plan that would make her covered.
