<prompt> Human: Title pretty much sums this up. I have an HSA account with about 4000 dollars in it. My employer contributed 1000 of that money. I am in need of money to pay some bills and no longer want this HSA. If I wanted to withdraw that money, put it into my checking account, and use it to pay bills how would I do that? I understand there would be a lost to the IRS, but how would I go about doing this? Some sort of step by step would be extremely helpful as this is very confusing to me.Edit: I am no longer with said employer.Thank you  <response>: You will be taxed on it as income, plus a 20 penalty if you withdraw it for a non-qualified purpose, so youll want to weight that against your immediate need. Its generally recommended to keep it as long as possible, as you can withdraw it penalty free though not tax free for any reason after you turn 65, so it can be used as a tax deferred retirement account like a 401k or IRA. And you always have it there if you have emergency medical expenses. 