$29.$ Lucy and Ethel each own a health savings account. Lucy is $66$; Ethel is $58.$ What can Lucy do that Ethel can't? Lucy can take a distribution from her HSA for any reason without having to pay a penalty $.$ Lucy can take a distribution from her HSA for any reason without having to pay income taxes. Lucy can use funds from the account to pay for premiums on a long$-$term care policy $.$ Lucy can use funds from the account to pay for over$-$the$-$counter $,$ nonprescription medications $.$