The Doctors Not AI Act would require a licensed health care professional to take responsibility for denials.

"The combination of record account balances, strong savings behaviors and effective plan design tell an encouraging story about how Americans are approaching retirement," said Sharon Brovelli, president of workplace investing at Fidelity Investments. 

Much of what the nation currently spends on health care is devoted to managing diseases that often could have been delayed, minimized or even avoided altogether.

A team of economists estimates that the new system saves plan enrollees an average of $55 in balance bills per year