In this sample scenario, three multimodal clinical-AI products have gained regulatory clearance. None has a dedicated reimbursement code.
CMS's process for AI reimbursement still treats every model as a bespoke service. Until that changes, even the best-validated tools will live inside academic medical centers that can absorb the cost.
The companies that figure out payer strategy in 2026 will be the ones with cash to fund commercial teams that look more like medical-device sales than ML research.
