Withdrawals from pre-tax retirement plans are always taxable. There is a 10% penalty if you are under age 59-1/2.
Possible exceptions to the penalty are listed here.
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-o...
Unless you paid substantial health insurance premiums while unemployed, probably the only exception you would qualify for is the penalty exception on a $1000 withdrawal for emergency family expenses. The rest of your withdrawal would be subject to the penalty as well as the income tax.
This answer has been verified for accuracy by an Intuit expert employee
