MyCareAI is a standards-based, consumer-controlled health data convergence hub that seamlessly and securely connects patient, provider, and payer. Consumers empowered with the myCareAI app for smartphones can access and share all their most complete, up-to-date healthcare records with their doctors and trusted partners. Building on the rights of consumers to access and aggregate their healthcare data, all the stakeholders in the healthcare system can realize the promise of value-based payment: Better health outcomes provided at a lower cost.