Healthcare's AI moment is operational before it is clinical. The administrative load — prior authorisation, medical coding, claim resolution, patient navigation — consumes 30%+ of provider OPEX in the US system and a significant fraction elsewhere. Generative AI is well-suited to compress that load. The clinical use cases come next, with sharper safety expectations.
Regulators have moved fast. The EU AI Act classifies clinical decision support and triage AI as high-risk under Annex III. The MDR and FDA SaMD frameworks bring software-as-a-medical-device into a formal regulatory pathway when AI affects clinical decisions. HIPAA in the US and GDPR + national health data laws in the EU constrain how PHI flows through AI tooling. The Italian DM 77/2022 reshaped community care with implications for AI-assisted patient navigation.
Kosmoy is the operating layer between the provider/payer's apps and the AI they call. Deployment is single-tenant inside the institution's own cloud or data centre. PHI never reaches the model provider; the AI Gateway redacts it before egress. Every clinical AI agent is registered with its EU AI Act risk class and its FDA / MDR pathway as applicable.