From that wikipedia article: "If a taxpayer's household is covered by one or more employer-sponsored retirement plans, then the deductibility of traditional IRA

From that wikipedia article: "If a taxpayer's household is covered by one or more employer-sponsored retirement plans, then the deductibility of traditional IRA contributions are phased out as specified income levels are reached (Modified Adjusted Gross Income is between)." There is no deduction phase out if you don't have a 401k available through work, but that is not the common case