Accepted answer
Worth being precise here: this is answerable, and the answer is mostly about which tests rather than how many.
A twenty-analyte panel run on a healthy person will produce, on average, one out-of-range result purely from how reference intervals are constructed. That is arithmetic rather than pathology.
The part that matters: delta checks — comparing against your own previous value — are far more sensitive than comparing against a population interval, which is the argument for keeping a series rather than a snapshot.
Reference intervals are conventionally the central ninety-five per cent of a reference population, which is the direct cause of the one-in-twenty out-of-range rate on a healthy panel.
The caveat is that a panel is not a diagnosis and interpreting one is a clinician's job, particularly when several values move together.
Same laboratory, same time, same fasting state, or the comparison is not a comparison.