Any funds you withdraw for non-qualified medical expenses will be taxed at your income tax rate plus 20% tax penalty if you’re under 65. If you are under age 65, 20% of $4,800 is $960. That is just the penalty. The $4,800 would get added to your income.
Once you turn 65, you can use HSA money for non-medical expenses without facing the 20% penalty, but you'll still owe income taxes.
