Nayya has released new research revealing the financial risks employees face when relying on general AI tools for health and benefits guidance. The report, titled “Confident and Wrong: The Benefits Accuracy Crisis Hiding in Plain Sight,” found that 90% of employees already use AI tools for health or financial questions, while 98% believe AI explanations are easier to understand than official plan documents. However, the study showed that 51% of employees received inaccurate guidance because general AI systems lack access to employer-specific health plans, provider networks, and benefits structures.
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Among employees who followed incorrect AI advice, over one in four faced unexpected out-of-pocket costs above $100. Some losses even exceeded $2,500. These findings come from surveys of 995 U.S. employees and 126 HR and benefits professionals conducted in April 2026. The report also noted a gap between employers and employees on who is responsible for benefits decisions. This raises concerns as open enrollment periods approach. “Employees have decided that AI is how they navigate their benefits. That’s not going to change. What employers can control is whether the version their people are relying on was actually built for this.” Sarah Liebel, CEO, Nayya.
