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The Future of Patient-Centered Healthcare Is Here

  • Writer: Bo Holland
    Bo Holland
  • Aug 14
  • 4 min read

Updated: 7 days ago

Last week’s announcement from the White House and CMS marked a seismic moment for American healthcare. By endorsing patient-controlled sharing of health information and committing to build the core infrastructure to scale it, the federal government is unblocking innovation and putting patients at the center of their healthcare journey.


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Patient direct sharing is not just bold—it’s the only way to ensure health information follows the patient wherever they go in this world. The banking industry adopted consumer direct sharing back in the 1900’s when credit cards were invented. Credit cards empowered consumers to carry their payment instructions and share them securely with any merchant they chose. The model scaled globally and made innovation like e-commerce possible.


For decades, patients have been locked out of their own health information—left to navigate a disorganized, disconnected system with little expertise and even less control. The CMS initiative sets a clear and welcome mandate to make healthcare information transparent, secure, and accessible on demand: stakeholders must issue secure digital IDs, enable seamless access to medical records, and provide AI-powered tools to help patients understand their data and make informed decisions.


At Health Bank One™, we applaud this direction—not only because it’s the right thing to do, but because we know it can be done in a safe and privacy-respecting way if you build it like a bank. We know because we’ve been building high-security digital IDs for Open Banking in Europe for nearly a decade, and the results speak for themselves—innovation went up, and costs went down.


The CMS initiative outlines what the healthcare system must deliver by Q1 2026—and we’re proud to say we’re delivering the core components and two of the three use cases today.


Here is a quick summary of what CMS expects from patient-facing apps—and how Health Bank One is delivering it today:


Secure Identity Verification

  • CMS Requirement: Digital credentials generated through a CMS-approved service for IAL2 or equivalent (e.g., mDLs) and AAL2 (e.g., passkeys).

  • Health Bank One Solution: We use the same banking-grade digital IDs we perfected for Open Banking—including mobile biometrics, dynamic hardware-generated keys, and end-to-end encryption—to verify identity at or above IAL2/AAL2 levels. We are beginning the U.S. certification process now.

 

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FHIR-Based Record Access

  • CMS Requirement: Allow patients to retrieve a summary of their visit (e.g., notes, diagnoses, instructions) from the provider at the end of the encounter in FHIR format, presented in a user-friendly form.

  • Health Bank One Solution: Our platform supports FHIR-based retrieval of medical records across providers, systems, and networks. Once retrieved, Health Bank One normalizes, de-duplicates, and clinically codes the data to fuel analytics and AI. But we didn’t stop there, because patients need their records from every provider—not just the ones that can afford FHIR. So, we empowered patients to place their orders using the industry-standard method—the fax. This “no excuses / no exceptions” approach has allowed us to achieve a 100% success rate ordering records from any provider. Note that there are three caveats: the records must exist, safety exemptions apply, and providers are allowed to charge fees in certain cases.


Permissioned Data Sharing

  • CMS Requirement: Enable patients to transmit information using FHIR, including their digital insurance card and health history (via QR code, Smart Health Card, or Smart Health Links).

  • Health Bank One Solution: Sharing records with providers, caregivers, or research teams is simple and under full patient control—just as CMS envisions. Today, we support data exchange via our API, FHIR, and Redox as well as QR codes for launching workflows like digital check-in with no forms, which directly supports the CMS Kill The Clipboard Initiative.


AI-Powered Care Guidance

  • CMS Requirement: Provide personalized, AI-driven support across the patient’s clinical record—including symptom checking, care planning, coordination, and chronic disease support.

  • Health Bank One Solution: Our AI Care Guide™ helps patients make sense of their medical data, prepare for upcoming appointments, find savings on medications, and more. Most importantly, it does something other AI assistants don’t—it protects your privacy. Health Bank™ rules are clear: no patient data is used for training, and no data leaves the bank without the patient’s explicit consent. Care Guide answers are always clearly differentiated from clinical advice and are designed to guide—not replace—professional care.

 

I’m encouraged to see CMS shine a national spotlight on this vision. It signals that the tide is turning and validates the hard work our team and partners have invested over the past several years.

 

Be Part of the Future of Healthcare — Now


This is what a patient-centered health information system looks like. It’s not about checking compliance boxes—it’s about restoring agency, reducing friction, and creating better outcomes through clarity and control.


But we’re not waiting for next year. The world’s first Health Bank is live, and we’d love for you to be part of the Future of Healthcare. If you're interested in connecting to a patient-consented data network, let's talk.


Bo



 

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