Your AI insurance comparison says ‘maximum cost’. Does it include premiums?

An AI comparison table headed ‘most you could pay’ needs a closer look if it simply copies a health plan's out-of-pocket maximum. HealthCare.gov's existing glossary says that limit applies to covered, in-network care. Monthly premiums, uncovered services and out-of-network care aren't included. A real number copied from an official document can still sit under a misleading heading. For US Marketplace plans, I'd ask the assistant to keep premiums separate from the out-of-pocket limit, then show an estimated yearly total with its assumptions about care use. HealthCare.gov's comparison guide explicitly recommends estimated total yearly costs rather than premiums alone, and warns that actual costs will vary. A low-use estimate isn't a promise about an expensive year. I'd also keep ‘not checked’ beside a regular prescription or doctor's network status until those details have been verified for the exact plan. Don't let an empty cell turn into an implied yes. These are checks I'd suggest from existing guidance, not a test of an AI insurance tool or a recommendation for a particular plan. I'd label that column ‘Limit for covered in-network care; premiums extra’. It is a clumsier heading than ‘maximum cost’, but it doesn't tell a family their spending stops somewhere it doesn't.