If your spouse was covered by a retirement plan at work for only part of the year, does that impact the MAGI threshold for determining max deduction for IRA contribution?

[ko1973]

There is one MAGI range for those who were covered by a retirement plan at work and another range when you and/or your spouse were not covered by a retirement plan at work. I'm trying to determine which range is applicable to us when my spouse did not have a retirement plan at work for much of 2023, and whether we would be able to save on our 2023 taxes by contributing to an IRA by 4/15/2024.

[dmertz · Accepted solution]

Coverage at any time during the year, no matter how short, means covered for the year.  The marking of box 13 Retirement plan on your spouse's Form W-2 will indicate coverage for the year.