AI in Healthcare: Who Benefits, Who Pays, and Who's at Risk in Our Hybrid Analog Digital Society🎙️ EXPERT PANEL Hosted By Marco Ciappelli & Sean MartinDr. Robert Pearl - Former CEO, Permanente Medical Group; Author, "ChatGPT, MD"Rob Havasy - Senior Director of Connected Health, HIMSSJohn Sapp Jr. - VP & CSO, Texas Mutual InsuranceJim StClair - VP of Public Health Systems, AltarumRobert Booker - Chief Strategy Officer, HITRUSTI had one of those conversations recently that reminded me why we do what we do at ITSPmagazine. Not the kind of polite, surface-level exchange you get at most industry events, but a real grappling with the contradictions and complexities that define our Hybrid Analog Digital Society.This wasn't just another panel discussion about AI in healthcare. This was a philosophical interrogation of who benefits, who pays, and who's at risk when we hand over diagnostic decisions, treatment protocols, and even the sacred physician-patient relationship to algorithms.The panel brought together some of the most thoughtful voices in healthcare technology: Dr. Robert Pearl, former CEO of the Permanente Medical Group and author of "ChatGPT, MD"; Rob Havasy from HIMSS; John Sapp from Texas Mutual Insurance; Jim StClair from Altarum; and Robert Booker from HITRUST. What emerged wasn't a simple narrative of technological progress or dystopian warning, but something far more nuanced—a recognition that we're navigating uncharted territory where the stakes couldn't be higher.Dr. Pearl opened with a stark reality: 400,000 people die annually from misdiagnoses in America. Another half million die because we fail to adequately control chronic diseases like hypertension and diabetes. These aren't abstract statistics—they're lives lost to human error, system failures, and the limitations of our current healthcare model. His argument was compelling: AI isn't replacing human judgment; it's filling gaps that human cognition simply cannot bridge alone.But here's where the conversation became truly fascinating. Rob Havasy described a phenomenon I've noticed across every technology adoption curve we've covered—the disconnect between leadership enthusiasm and frontline reality. Healthcare executives believe AI is revolutionizing their operations, while nurses and physicians on the floor are quietly subscribing to ChatGPT on their own because the "official" tools aren't ready yet. It's a microcosm of how innovation actually happens: messy, unauthorized, and driven by necessity rather than policy.The ethical dimensions run deeper than most people realize. When Marco—my co-host Sean Martin and I—asked about liability, the panel's answer was refreshingly honest: we don't know. The courts will eventually decide who's responsible when an AI diagnostic tool leads to harm. Is it the developer? The hospital? The physician who relied on the recommendation? Right now, everyone wants control over AI deployment but minimal liability for its failures. Sound familiar? It's the classic American pattern of innovation outpacing regulation.John Sapp introduced a phrase that crystallized the challenge: "enable the secure adoption and responsible use of AI." Not prevent. Not rush recklessly forward. But enable—with guardrails, governance, and a clear-eyed assessment of both benefits and risks. He emphasized that AI governance isn't fundamentally different from other technology risk management; it's just another category requiring visibility, validation, and informed decision-making.Yet Robert Booker raised a question that haunts me: what do we really mean when we talk about AI in healthcare? Are we discussing tools that empower physicians to provide better care? Or are we talking about operational efficiency mechanisms designed to reduce