About Overturn
Most denials are never appealed. Most appeals are worth filing.
In 2024, insurers on HealthCare.gov denied 19 % of in-network claims. Fewer than 1 % of those denials were appealed, and a third of the appeals succeeded. KFF, 2024. People do not skip the appeal because they agree with the denial. They skip it because the letter is unreadable, the rights are unknown, and the deadline is invisible.
How it works
- 1
The model reads
An AI model reads your document and returns facts, each with the exact words it came from and the page. It never infers what is not there.
- 2
The code decides
Which rights and deadlines apply is computed by plain rules from a dataset where every rule carries its legal citation, its source, and the date a person last verified it. The AI has no say in this.
- 3
You send
The letter is drafted from your facts and those rules only, with visible blanks for what only you know. You edit it, download it, and send it.
Information, not advice
In the United States, telling a specific person what to do about their legal problem is the practice of law, reserved to licensed attorneys. Explaining what a document says and what rules generally apply is legal information, which court self-help centers, consumer assistance programs, and regulators provide every day. Overturn is built to stay on the information side of that line.
What Overturn says
- “This letter denies the claim as not medically necessary.”
- “Federal rules give at least 180 days to file an internal appeal.”
- “Here is a draft, for you to edit and send.”
What it never says
- “Your denial was wrong.”
- “You should appeal by Friday.”
- “You will win.”
This is enforced in the prompts, in the code that checks every generated sentence and every citation, and in the wording of every screen. The full argument is in LEGAL_DESIGN.md.
Your document
Read once, in memory, during a single request, then discarded. No database, no upload storage, no analytics on content. Your session lives in your browser tab and disappears when you close it. The sample documents are fictional.
What it covers
- Denial letters and Explanations of Benefits
- Job-based, Marketplace, and individual plans
- Federal rules everywhere; state rules for California, New York, and Texas
- Not Medicare, Medicaid, CHIP, TRICARE, or VA, which have their own appeal systems
Who made this
Overturn was built for LexHack 2026 by one person in nine days, with an AI coding assistant, and is open source under the MIT license. Every legal rule was read from a primary source and carries the date it was read. The code, the rules dataset, the tests, and a log of every API call are on GitHub.