What is the penalty for withdrawing money from a 529 college savings plan early to cover emergency family medical bills?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the penalty for withdrawing money from a 529 college savings plan early to cover emergency family medical bills?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS 529 plan nonqualified distributions 10% additional tax exceptions medical expenses 2026 Google ↗
California 529 nonqualified distribution state income tax penalty earnings FTB 2026 Google ↗
- 2025 Instructions for Form FTB 3805P · ftb.ca.gov
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- What Is the 529 Withdrawal Penalty for Non-Qualified Expenses? · savingforcollege.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 529 plan nonqualified distributions 10% additional tax exceptions medical expenses 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
California 529 nonqualified distribution state income tax penalty earnings FTB 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |