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HSAs are not only a great investment vehicle, but they're also the best way to pay for qualified medical expenses. However, if you take money out of your HSA before the age of 65 for reasons other than paying for qualified medical expenses, you'll have to pay taxes on that amount as well as incur a 20% penalty. It's not recommended except as a last resort.
Use this simple calculator to find out how large of a penalty you'll pay on any amount you withdrawal before the age of 65.
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View contribution limits for 2025 and historical limits back to 2004. Includes contribution limits for both single and married people as well as catch-up contribution amounts (ages 55+).