Your ability to make tax-deductible contributions to a traditional IRA may be limited if you are an active participant in an employer-sponsored retirement plan. However, you can still contribute to a traditional IRA; it may just not be tax-deductible depending on your income. Roth IRA contributions are generally not affected by your participation in a workplace retirement plan, so you can contribute to a Roth IRA regardless of your workplace plan status. The income limits for deducting traditional IRA contributions can change annually, so it's advisable to check the current rules and consult with a tax professional if needed.