Generally, if you are under 59 ½ you can avoid the 10% early withdrawal penalty if you use the IRA funds to pay unreimbursed medical expenses that are more than 7.5% of your adjusted gross income (AGI). But you shouldn’t get the penalty since you both were over 59 ½. If you still get "Did you use your IRA to pay for any of these expenses?" screen, then you can enter the distribution amount under "Another reason" since you are over 59 ½.
Generally, you have 60 days to rollover a retirement distribution (return a retirement distribution). Please see IRS Rollovers of Retirement Plan and IRA Distributions for additional information.
For 2022 the total contributions you make each year to all of your traditional IRAs and Roth IRAs can't be more than:
Therefore, you won’t be able to make any other IRA contributions for 2022.
Please see Where do I enter my medical expenses? For additional information.
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