Unpriced: what the AI exclusions mean for the institutions holding the risk
The insurance market withdrew from generative AI on January 1. The institutions holding clinical AI risk, and the executives who approved it, are now holding it themselves.
Accountability, in the GPe Research framework, is the institutional condition in which a named person bears identifiable responsibility for a specific decision or outcome. It is distinct from transparency (the ability to inspect a system), explainability (the ability to understand a model's reasoning), and compliance (adherence to regulatory checklists). Accountability requires a human owner who cannot disclaim responsibility through reference to an algorithm. The Named Owner principle operationalizes this condition.
The insurance market withdrew from generative AI on January 1. The institutions holding clinical AI risk, and the executives who approved it, are now holding it themselves.
A real handoff transfers a named owner along with the information. Clinical AI transfers the information and the liability, and leaves the sending seat empty.
A nine-block canvas and a three-layer Gap Score™ for surfacing, scoring, and closing the clinical AI accountability gap before a recommendation reaches a patient.
Every clinical AI deployment requires two named owners in the audit trail, not one: a Governance Owner and a Decision Owner.