IRA Deduction income limits and future taxes

[a_m1]

I was terminated from my job in 2023.  I had a 401k while employed.  Turbo Tax tells me this deems me as having a 401k for the entire year (even though I did not)

So, any 2023 IRA contribution is subject to income limits to determine if contribution is deductible.  Turbo tax tells me I am not eligible to reduce my taxable income by IRA contributions because my MAGI is over 136k, filing as MFJ.

My question is:  If I am unable to deduct my IRA contributions for 2023, due to exceeding income limits, doesn't this mean my IRA contribution gets taxed twice when I withdraw from my IRA in the future?

It seems I have no option but a ROTH IRA?

thank you

[Bsch4477]

While you can protect your cost basis by tracking non deductible contributions with form 8606, contributing to a Roth would be simpler if eligible to do so. 
https://www.irs.gov/forms-pubs/about-form-8606

[dmertz]

"f I am unable to deduct my IRA contributions for 2023, due to exceeding income limits, doesn't this mean my IRA contribution gets taxed twice when I withdraw from my IRA in the future?"

No.  Distributions from your traditional IRAs will be proportionate amounts of taxable pre-tax money and nontaxable basis in nondeductible traditional IRA contributions.