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The debt-collection ecosystem will change as AI takes notes in exam rooms, codes visits and sends billing messages Medical debt is expected to grow in coming years as Republican-led health cuts come into force this winter. As it does, a changing world of medical billing and debt collection awaits patients: one where artificial intelligence increasingly listens, codes, bills and collects. Artificial intelligence takes notes in exam rooms, codes visits, sends out billing messages and powers AI agents who text patients in billing portals – all changing the debt-collection ecosystem.