<prompt> Translate the following text to EnglishIkiwa mwenzi mmoja au mwingine amefunikwa na mpango unaofadhiliwa na mwajiri, michango yao inaweza kuwa haifai kabisa kulingana na mapato yao.  <response>: If either spouse is covered by an employer-sponsored plan, their contributions may not be fully deductible depending on their income. 