Raising Health Healthcare 2026: AI Doctors, GLP-1s, and Insurance Defection
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Jan 27, 2026 
Nikhil Krishnan, founder of Out of Pocket who helps people navigate healthcare costs, joins to predict healthcare in 2026. He discusses why people are dropping traditional insurance and paying cash for diagnostics and preventive care. He explores AI-driven navigation and low-cost care models, the rise of at-home screening and GLP-1 expansion, plus regulation and data issues shaping access and innovation.
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Diagnostics And Monitoring Will Boom
- Screening, at-home diagnostics, and monitoring will grow as consumers seek agency and proactive health data.
- People will pay for tests and continuous monitoring to escape guideline lags and feel in control of their health.
Target A Middle Regulatory Path
- Expect a new regulatory middle path for wearables and AI tools that are neither pure wellness nor full medical devices.
- Build products that are transparent about limits and channel actionable prompts to clinicians when needed.
State-Led AI Experiments First
- States will experiment with AI healthcare rules, producing a patchwork of pilots and regulations before national standards emerge.
- Different state needs (rural access vs. dense networks) will shape varied risk-tolerance and policy choices.