<prompt> Human: Hi! My husband and I have a HSA account through his employer. We recently had something come up and without going into a big deal, we withdrew about 900 or a little less from the account for NON medical expenses. My question is, is this fraud? I have been on the internet trying to find answers to this and have came up short. I am planning on filing it on our tax return. I know there are taxes for withdrawing early for non medical reasons. Does anyone know about how much theyll take from our return for the 900 we took out?? Just looking to get a estimate on how much well pay on it out of our tax return! Thanks for reading!  <response>: Your 2017 Form 8889 line 16 will end up with 900 as taxable HSA distributions, and this goes onto 1040 line 21 with HSA next to it, so it adds 900 to your taxable income. Thus, the income tax effect will be about 900 your bracket.Then also Form 8889 line 17b calculates the penalty, which will be 900 20 180. This amount gets entered on Form 1040 line 62.If the distribution for unqualified expenses happened in 2017, you cant delay this by putting it on your 2018 taxes.This is not fraud. You are allowed to take out distributions for non-qualified expenses. Its just that you have to pay income taxes and the penalty that was meant to discourage such distributions. 