The solution is single payer. Any attempt to solve this with technological band aids is completely futile. We know what the solution is because we see it work in every other developed nation. We don't have it because a class of billionaire doners doesn't want to pay into the system that allowed them to become fabulously wealthy. People who are claiming AI is the solution to healthcare access and affordability are delusional or lying to you.
There are good reasons to think single payer systems are not the answer. The numerous documented inefficiencies and inconveniences they suffer from don't need repeating here.
And many single payer systems around the world only appear to work as well as they do because the US effectively subsidizes medical costs through its own out of control prices.