I was unemployed for about 5 months straight last year and had to make an early withdrawal of my IRA retirement in order to keep up with bills. My wife was working during the time, but over half of her paycheck went pre-tax to health insurance. Would we qualify for an exception to the early withdrawal penalty? We had medical expenses, but I don't think they were anywhere near enough to count. I'm curious if we could request an exception based on health insurance payments in our situation?
