It can be tempting to withdraw funds from your HSA for purposes other than qualified expenses. If you take this route, be prepared for a large tax bill. All funds withdrawn for non-qualifying expenses before the age of 65 are subject to a 20% tax penalty.
Once you turn 65, you may withdraw funds for any reason. Funds used for qualified medical expenses remain tax-free. Funds use for any other reason are taxed as retirement income.