The infinite care team: How AI is reshaping digital healthcare

Summary

• The healthcare industry is plagued by fragmented data, rising costs, and low consumer trust, which leads to inefficiencies for both payers and members.
• Agentic AI can proactively guide members, automate administrative tasks, and foster a connected ecosystem.
• AI-powered solutions will transform the digital experience from disjointed transactions into a cohesive, continuous journey.
• Implementing AI-powered solutions can lead to significant cost reductions and improved member outcomes, with some reports estimating a 13-25% net savings in administrative costs for payers.

When we started League eleven years ago, our mission was to empower people with their health every day. We knew that digital, always-on, and personalized engagement solutions could lead to better health outcomes and economics. However, putting that idea into practice proved to be quite difficult, as health data was messy, interoperability was poor, and capital was constrained within healthcare.  

Today, a once-in-a-generation wave of technology is unlocking the era of AI in digital healthcare. This is not just an iteration or incremental improvement—it’s a complete paradigm shift for care where software partners with humans to create a more engaged and personalized healthcare experience for everyone.

The Rise of AI in Digital Healthcare

The healthcare industry today faces significant challenges, from fragmented data to rising costs. The lack of disparate data and isolated electronic health record (EHR) systems make it difficult to get a unified view of a patient’s health. This fragmentation causes inefficiencies for payers, providers, members, and patients—causing misdiagnoses, long wait times, and a flurry of other common frustrations. The financial stakes are also high, with healthcare spending in the United States alone projected to reach over $6 trillion by 2027 (Source: Health System Tracker). That’s trillion—with a “t”.

Amidst these challenges, AI is emerging as a powerful solution. The global AI in digital healthcare market, valued at $39 billion in 2025, is projected to grow to over $500 billion by 2032, a testament to the technology’s transformative potential (Source: Fortune Business Insights).

This growth is being driven by AI’s ability to streamline operations and automate administrative tasks, which can account for a significant portion of healthcare costs.

However, let’s take a step back from the numbers for a moment to consider the big picture questions: What does this actually mean? What, specifically, is it going to change and improve? And what does it look like in the real world?

The Vision of an Infinite Care Team

Imagine having an infinitely powerful care team working for your members. It can discover insights about and opportunities for their health, find and schedule care, and help them adhere to care protocols. Now imagine that each member has a dedicated personal assistant or concierge, whose sole goal is to connect with the team, and keep their member healthy. 

The vision of the Infinite Care Team is a departure from the traditional model of fragmented care. It’s a multi-agent AI system that works on behalf of each member, and an orchestration layer, that leverages AI to connect and coordinate every aspect of their health journey. Instead of a single touchpoint, it’s a seamless, continuous flow of personalized support that:

• Proactively guides members: It anticipates a member’s needs and delivers the right information at the right time—a fundamental shift from reactive to proactive care.
• Automates administrative friction: It can handle cumbersome administrative tasks on behalf of the member, like downloading claims or navigating complex benefit plans, freeing them to focus on their health.
• Fosters a shared ecosystem: It acts as a central nervous system for a member’s health, connecting disparate health systems, providers, and payers to create a shared identity and ensure a seamless, coordinated experience.

This new model of AI in digital healthcare promises to transform the digital experience from a series of disjointed transactions into a cohesive, continuous journey—empowering members with their health and seamlessly guiding them to the next best action. It’s an opportunity for payers to not only build a better relationship with their members but also to drive a new era of efficiency and financial success. The future of healthcare is a personalized, human-centered journey, and the Infinite Care Team is how we will get there.

The Economic Impact of AI for Payers

For health plans, the economic impact of an Infinite Care Team powered by AI is centered on significant cost reductions and improved member outcomes. AI tools can directly benefit payers by automating key administrative and medical processes. 

McKinsey estimates that AI could lead to a 13% to 25% net savings in administrative costs and a 5% to 11% net savings in medical costs for payers who adopt the latest technologies (Source: McKinsey). 

Further, by leveraging predictive analytics and remote monitoring, AI can identify high-risk members and intervene early with tailored care management programs, thereby reducing costly hospital readmissions and emergency room visits (Source: National Bureau of Economic Research, Oliver Wyman).

The benefits go beyond cost-cutting. In today’s market, quality is directly tied to financial success, especially with programs like Medicare Advantage, where quality bonuses are projected to exceed $12.7 billion in 2025 (Source: KFF). As McKinsey highlights, these bonuses are increasingly tied to metrics that measure the consumer experience (Source: McKinsey). This is where AI truly shines.

Finally, AI enables hyper-personalization, which is a core principle of the Infinite Care Team concept—treating each member as an individual, or “n-of-1.” Research from BCG shows that when payers adopt personalization, they see dramatic results: customer experience improves by 10%, administrative costs drop by 5% to 10%, and quality standards increase by 20% to 25% (Source: BCG).

Tomorrow’s Vision is One Step Closer to Reality

The vision of The Infinite Care Team is no longer an unobtainable or distant aspiration, but a tangible reality. We’re already seeing how the power of agentic AI can overcome the long-standing challenges of fragmented data and soaring costs that burden the modern healthcare system and the people it serves. By creating powerful, always-on agentic teams, we can not only improve health outcomes for individuals through hyper-personalized care but also drive significant economic benefits for the entire ecosystem—a win-win-win scenario.

The evidence is clear: AI in digital healthcare is empowering members, leading to reduced costs, higher efficiency, and a significant return on investment.

We recently launched League Agent Teams™ to give customers access to this powerful technology and accelerate their AI roadmaps. This launch represents the first real step toward realizing the vision of The Infinite Care Team, where intelligent, always-on agents work in concert to support every person’s health journey.

League Agent Teams™ are the foundation that allow organizations to start deploying their own ecosystems of specialized agents, each designed to collaborate, coordinate, and learn — bridging the gap between today’s fragmented systems and tomorrow’s unified, intelligent healthcare experience.

Like the early days of space exploration, this moment marks both a beginning and a breakthrough: one small step for digital healthcare, and one giant leap toward a more connected, personalized, and proactive future of care.

As we continue to build this future, the goal remains singular and profound: to seamlessly connect every person with the right care at the right time, transforming healthcare from a complex system of disjointed transactions into a continuous journey toward a healthier, longer, and better life.

Frequently asked questions

What challenges is the healthcare industry facing today and how can AI help?

Healthcare systems are burdened by fragmented data, rising costs, and low consumer trust. This lack of connectivity creates inefficiencies for payers and providers and a frustrating experience for members—leading to misdiagnoses, long wait times, and unnecessary costs. Agentic AI can act as a proactive partner—guiding members, automating administrative work, and connecting healthcare ecosystems. By integrating data and systems, AI can transform healthcare from a series of disconnected transactions into a continuous, coordinated journey.

What are the economic benefits of AI for payers?

AI can drive 13–25% reductions in administrative costs and 5–11% savings in medical costs, according to McKinsey. It also enables predictive care and personalization, leading to better outcomes and improved quality scores—key drivers of financial success in value-based programs like Medicare Advantage.

How does AI improve health plan member engagement?

AI analyzes vast amounts of healthcare data to predict individual member needs and deliver personalized recommendations at the right time. This includes identifying members at risk of disengagement, suggesting relevant health programs, and automating care gap outreach. Health plans using AI-powered personalization report an average of 54% higher health action completion rates and engagement rates six times higher than industry averages.

Why is personalization important in AI-driven healthcare?

Personalized (“n-of-1”) care increases engagement, satisfaction, and efficiency. Studies show that payers adopting personalization see 10% improvements in customer experience, 5–10% drops in administrative costs, and 20–25% gains in quality measures.

What is the “Infinite Care Team”?

The Infinite Care Team is a vision for the future of digital healthcare: an AI-powered network that acts like an always-on care team for every member. It proactively delivers the right support, automates complex processes, and connects people, providers, and systems—ensuring seamless, personalized care in real-time.

It eliminates friction by automating administrative tasks (like managing claims or scheduling care) and fosters a shared ecosystem that keeps all stakeholders aligned around each member’s health journey.

What are League Agent Teams™?

In October 2025, League announced League Agent Teams™ as part of a Fall 2025 release.  Designed to proactively support and guide users through complex health journeys via a multi-agent system, these teams engage users via text, apps, and voice. Each Agent Team is a collection of AI agents tasked with a specific function, driving hyper personalization with measurable cost containment and outcomes.

The Fall 2025 release included four Agent Teams: 

• Benefits Navigation Agent Team: Helps consumers understand and use their benefits more effectively, enabling operational savings, increased call deflection, and higher engagement
• Care Navigation Agent Team: Intelligently guides consumers to virtual or in-person solutions with personalized nudges and scheduling support to ensure they never miss a critical appointment. 
• Health Coach Agent Team: Provide personalized, evidence-based condition support to keep consumers motivated and on track with their health journey. 
• Care Gaps Agent Team: Provides truly personalized recommendations and resources that lead to better health outcomes, higher satisfaction, and improved quality scores.