

Medical tourism is a real thing. Whether you will pay less than you would in the US will depend on the country you go to and the procedure. Without insurance you are still likely to pay a lot of money at a private clinic. You also have to factor in whether you will need follow-up appointments and plan for complications because those costs plus the costs of multiple overseas trips and living accommodations will add up.
That would counteract the intelligence part of AI…but there would be no victors in that battle.