Those limits also apply to workers who participate in 403(b) paln, most 457 plans, and the federal government's Thrift Savings Plan. The IRS also announced phase-out ranges for those contributing to traditional Individual Retirement Amount plans for 2022. For single taxpayers covered by a workplace retirement plan, the phase-out range rises to $68,000 to $78,000, up from $66,000 to $76,000. With married couples filing jointly, if the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range goes from $109,000 to $129,000, up from $105,000 to $125,000 For an IRA contributor not covered by a workplace retirement plan and who is married to someone who is covered, the phase-out range increases to $204,000 to $214,000, up from $198,000 to $208,000. For married individuasl filing a separate return who are covered by a workplace retirement plan, the phase-out range is not subject to an annual cost-of-living adjustment and remains $0 to $10,000.