"We want mental health care that works for patients, not just Kaiser's bottom line," said Raul Figueroa, a therapist in Sacramento.

Officials at the credit ratings company said health insurers are facing low margins across most market segments, and companies likely will focus on redesigning medical plans, reducing benefits, and exiting less profitable markets and geographies this year.

Leaders want AI to enable a more fluid operating model, one where expertise moves to the work rather than staying locked in a function, where outcomes drive design rather than org chart lines and where learning is embedded in operations rather than offloaded to a training calendar.