According to IRS.gov, generally, you are eligible to withdraw your funds from your Individual Retirement Account (IRA) after the age of 59 ½. An early withdrawal from an IRA before age 59½ is subject to being included in gross income, plus a 10 percent additional tax penalty. There are some exceptions to the 10 percent penalty, such as, using IRA funds to pay your medical insurance premium after a job loss.
This chart on the IRS website displays the exceptions for an early distribution without taxation.
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