

Digital health and artificial intelligence (AI) adoption are accelerating across the health care system, yet their impact on costs and value remains uncertain. Drawing on qualitative interviews and multi-stakeholder convenings with accountable care organizations (ACOs), other accountable providers, technology developers, and policy experts, this analysis examines how risk-bearing organizations are approaching and implementing emerging technologies. Early adoption efforts are concentrated in patient risk identification, clinical workflow support, and administrative functions, while broader transformation is constrained by fragmented data infrastructure, misaligned payment incentives, limited evidence on real-world impact, and evolving governance challenges. Findings suggest that organizations accountable for both quality and total cost of care provide an important environment for assessing whether digital health and AI can generate meaningful value beyond efficiency gains.