Hi All,
I'm trying to navigate how to respond to this letter I got from the IRS. Please help! Here's the quick history:

In 2013 I opened a Roth IRA and deposited about $5500 into it.

In 2014, I left my job to start my own company. In 2015, I pulled $5000 of my original contribution out, in part to pay for medical insurance premiums. I had no wage income that year.

I forgot that while you can pull your original contribution back out of a Roth, you have to wait at least five years.

So now I have a letter from the IRS saying I owe them $1480 in taxes.

My question is, claim the insurance premiums as an exception to the early withdrawal rule, which would wipe out most of that $5000? What sort of documentation is needed?

Or other suggestions? I don't mind being taxed on income, but it sucks to be taxed $1480 on your own savings :/

Thank you for your help!