What is the penalty for non-qualified withdrawals before age 65?

A. The penalty for a non-qualified withdrawal prior to age 65 is 10% and the penalty no longer applies after age 65 so you are free to use your savings as you like. Non-qualified withdrawals are taxable both before and after age 65.

Withdrawals from HSAs are tax-free if they are used to pay for qualified medical expenses. More.

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