I Tested AI to Find Errors in My Medical Bills. Here’s What It Found

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I just celebrated a big milestone I hope you never reach: I hit my health insurance plan's $10,150 out-of-pocket maximum less than five months into 2026, thanks mostly to two major eye surgeries. That means no more co-pays or coinsurance for authorized in-network care this year, as long as I keep paying my monthly premiums.

But earlier this year, as I accumulated what seemed like an eternal fountain of medical expenses, I couldn't help but wonder whether I was paying bills that contained errors. As a certified financial planner and a longtime personal finance writer and editor, I'm familiar with how many medical bills contain mistakes that make them more expensive.

Occasionally, medical bills contain obvious errors, such as a charge for a treatment you explicitly declined. Otherwise, though, these mistakes are often difficult for a typical patient to spot. Finding billing errors can require clinical knowledge, along with an...

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