When the AI Therapist Goes Rogue
… 24/7 availability in a system already strained by provider shortages. For insurers, however, they represent something else entirely: a new and poorly understood class of risk that does not fit neatly into existing underwriting frameworks. As algorithmic mental health tools move from fringe wellness apps to embedded components of employee benefits and care delivery, the risk implications are becoming harder to ignore. What AI Mental Health Tools Actually Are, and Why That Matters AI mental health platforms span a broad and often confusing spectrum. At one end are regulated digital therapeutics that operate under FDA oversight and are used …
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