Thanks AJ,
No Roth contributions. No earned income, just 2 pensions, SS, some Rental Income, and dividends.
I was just concerned with the ACA stuff since it’s hard to get any answers, and when she got credit the previous year we had to file joint since they want to see the combined income.
The main reason I wanted to try the MFS was due to a $25K capital gain that my wife received. You’re probably right about the end result, but I’ll give it a shot.