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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.
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.
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