diff --git a/client/pages/HealthPage.jsx b/client/pages/HealthPage.jsx
index e9ce80e..3b36a87 100644
--- a/client/pages/HealthPage.jsx
+++ b/client/pages/HealthPage.jsx
@@ -1,5 +1,4 @@
 import React, { useCallback, useEffect, useMemo, useState } from 'react';
-import { Link } from 'react-router-dom';
 import { toast } from 'sonner';
 import {
   AlertTriangle,
@@ -12,6 +11,7 @@ import {
 import { api } from '@/api';
 import { Button } from '@/components/ui/button';
 import { Card, CardContent, CardDescription, CardHeader, CardTitle } from '@/components/ui/card';
+import BillModal from '@/components/BillModal';
 import { cn } from '@/lib/utils';
 
 const FIELD_LABELS = {
@@ -66,8 +66,9 @@ function IssuePill({ issue }) {
   );
 }
 
-function BillIssueCard({ bill }) {
+function BillIssueCard({ bill, onOpenBill, openingBillId }) {
   const sortedIssues = [...bill.issues].sort((a, b) => severityWeight(a.severity) - severityWeight(b.severity));
+  const opening = openingBillId === bill.id;
 
   return (
     <Card className="overflow-hidden">
@@ -86,8 +87,16 @@ function BillIssueCard({ bill }) {
               {!bill.active && ' - Inactive'}
             </CardDescription>
           </div>
-          <Button asChild variant="outline" size="sm" className="shrink-0">
-            <Link to="/bills">Open Bills</Link>
+          <Button
+            type="button"
+            variant="outline"
+            size="sm"
+            className="shrink-0"
+            onClick={() => onOpenBill(bill.id)}
+            disabled={!!openingBillId}
+          >
+            {opening && <Loader2 className="mr-1.5 h-3.5 w-3.5 animate-spin" />}
+            {opening ? 'Opening...' : 'Open Bill'}
           </Button>
         </div>
       </CardHeader>
@@ -112,6 +121,9 @@ export default function HealthPage() {
   const [data, setData] = useState(null);
   const [loading, setLoading] = useState(true);
   const [includeInactive, setIncludeInactive] = useState(false);
+  const [categories, setCategories] = useState([]);
+  const [modalBill, setModalBill] = useState(null);
+  const [openingBillId, setOpeningBillId] = useState(null);
 
   const load = useCallback(async () => {
     setLoading(true);
@@ -126,6 +138,27 @@ export default function HealthPage() {
 
   useEffect(() => { load(); }, [load]);
 
+  const openBill = useCallback(async (billId) => {
+    setOpeningBillId(billId);
+    try {
+      const [bill, cats] = await Promise.all([
+        api.bill(billId),
+        categories.length ? Promise.resolve(categories) : api.categories(),
+      ]);
+      if (!categories.length) setCategories(cats);
+      setModalBill(bill);
+    } catch (err) {
+      toast.error(err.message || 'Could not open bill.');
+    } finally {
+      setOpeningBillId(null);
+    }
+  }, [categories]);
+
+  const handleBillSaved = useCallback(() => {
+    setModalBill(null);
+    load();
+  }, [load]);
+
   const summary = data?.summary || {};
   const bills = data?.bills || [];
   const sortedBills = useMemo(() => [...bills].sort((a, b) => {
@@ -206,10 +239,26 @@ export default function HealthPage() {
             <p>Fix errors first; warnings are cleanup items that improve confidence and projections.</p>
           </div>
           <div className="grid gap-3">
-            {sortedBills.map(bill => <BillIssueCard key={bill.id} bill={bill} />)}
+            {sortedBills.map(bill => (
+              <BillIssueCard
+                key={bill.id}
+                bill={bill}
+                onOpenBill={openBill}
+                openingBillId={openingBillId}
+              />
+            ))}
           </div>
         </div>
       )}
+
+      {modalBill && (
+        <BillModal
+          bill={modalBill}
+          categories={categories}
+          onClose={() => setModalBill(null)}
+          onSave={handleBillSaved}
+        />
+      )}
     </div>
   );
 }
diff --git a/routes/user.js b/routes/user.js
index f1d348e..058f7b8 100644
--- a/routes/user.js
+++ b/routes/user.js
@@ -64,7 +64,7 @@ router.post('/clear-demo-data', demoDataLimiter, (req, res) => {
   }
 });
 
-// POST /api/user/seed-demo-data — seeds 20 demo bills for the requesting user
+// POST /api/user/seed-demo-data — seeds demo bills for the requesting user
 router.post('/seed-demo-data', (req, res) => {
   try {
     const result = seedDemoData(req.user.id);
diff --git a/scripts/seedDemoData.js b/scripts/seedDemoData.js
index 83686fa..dfd9b5f 100644
--- a/scripts/seedDemoData.js
+++ b/scripts/seedDemoData.js
@@ -1,7 +1,7 @@
 #!/usr/bin/env node
 /**
  * Seed Demo Data Script
- * Creates 20 realistic bills across 8 categories for demo purposes.
+ * Creates realistic bills across common categories for demo purposes.
  * Idempotent: can be run multiple times safely.
  */
 
@@ -36,12 +36,14 @@ const BILLS = [
   { name: 'Internet Provider', category: 'Utilities', amount: 70, dueDay: 18, cycle: 'monthly', autopay: true, interestRate: 0 },
   { name: 'Cell Phone', category: 'Utilities', amount: 65, dueDay: 25, cycle: 'monthly', autopay: true, interestRate: 0 },
   { name: 'Health Insurance', category: 'Healthcare', amount: 200, dueDay: 1, cycle: 'quarterly', autopay: true, interestRate: 0 },
-  { name: 'Credit Card', category: 'Credit Cards', amount: 150, dueDay: 28, cycle: 'monthly', autopay: true, interestRate: 19.99, currentBalance: 2800, minPayment: 75, snowballOrder: 0, snowballInclude: 1 },
-  { name: 'Student Loan', category: 'Loans', amount: 250, dueDay: 15, cycle: 'monthly', autopay: true, interestRate: 5.5, currentBalance: 12500, minPayment: 150, snowballOrder: 1, snowballInclude: 1 },
+  { name: 'Discover It Card', category: 'Credit Cards', amount: 65, dueDay: 26, cycle: 'monthly', autopay: true, interestRate: 22.99, currentBalance: 920, minPayment: 35, snowballOrder: 0, snowballInclude: 1 },
+  { name: 'Capital One Quicksilver', category: 'Credit Cards', amount: 95, dueDay: 28, cycle: 'monthly', autopay: true, interestRate: 24.49, currentBalance: 1850, minPayment: 55, snowballOrder: 1, snowballInclude: 1 },
+  { name: 'Chase Freedom', category: 'Credit Cards', amount: 140, dueDay: 12, cycle: 'monthly', autopay: true, interestRate: 21.49, currentBalance: 3200, minPayment: 90, snowballOrder: 2, snowballInclude: 1 },
+  { name: 'Student Loan', category: 'Loans', amount: 250, dueDay: 15, cycle: 'monthly', autopay: true, interestRate: 5.5, currentBalance: 12500, minPayment: 150, snowballOrder: 4, snowballInclude: 1 },
   { name: 'Gas Utility', category: 'Utilities', amount: 35, dueDay: 12, cycle: 'monthly', autopay: true, interestRate: 0 },
   { name: 'Trash Service', category: 'Utilities', amount: 25, dueDay: 28, cycle: 'monthly', autopay: true, interestRate: 0 },
   { name: 'Homeowners Insurance', category: 'Insurance', amount: 300, dueDay: 10, cycle: 'annually', autopay: false, interestRate: 0 },
-  { name: 'Car Payment', category: 'Loans', amount: 350, dueDay: 22, cycle: 'monthly', autopay: true, interestRate: 4.5, currentBalance: 8400, minPayment: 350, snowballOrder: 2, snowballInclude: 1 },
+  { name: 'Car Payment', category: 'Loans', amount: 350, dueDay: 22, cycle: 'monthly', autopay: true, interestRate: 4.5, currentBalance: 8400, minPayment: 350, snowballOrder: 3, snowballInclude: 1 },
   { name: 'Spotify', category: 'Entertainment', amount: 9.99, dueDay: 14, cycle: 'monthly', autopay: true, interestRate: 0 },
   { name: 'Adobe Creative Cloud', category: 'Subscriptions', amount: 54.99, dueDay: 8, cycle: 'monthly', autopay: true, interestRate: 0 },
   { name: 'Amazon Prime', category: 'Subscriptions', amount: 14.99, dueDay: 1, cycle: 'annually', autopay: true, interestRate: 0 },
@@ -148,7 +150,7 @@ function seedDemoData(userId = null) {
         billData.cycle || 'monthly',
         amount,
         billData.autopay !== undefined ? (billData.autopay ? 1 : 0) : Math.random() > 0.5 ? 1 : 0,
-        billData.interestRate || (Math.random() > 0.7 ? Math.round(Math.random() * 15 * 100) / 100 : 0),
+        billData.interestRate ?? (Math.random() > 0.7 ? Math.round(Math.random() * 15 * 100) / 100 : 0),
         billData.currentBalance  ?? null,
         billData.minPayment      ?? null,
         billData.snowballOrder   ?? null,