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Continue LogoutYounger adults are more confident in their health and more willing to spend on self-care, but they're also much more likely than older generations to use AI as a first stop for health concerns. A new Aflac survey shows how that digital-first approach may be reshaping Gen Z's and millennials' relationship with traditional and preventive care.
Aflac surveyed 2,001 U.S. adults across four different generations: Gen Z (18 to 29 years), millennials (30 to 45 years), Gen X (46 to 61 years), and baby boomers (62 to 69 years). A majority of the respondents were white/Caucasian (76%).
According to the survey, Gen Z respondents felt the most positive about all aspects of their life, including how they look and feel, their weight/BMI, financial health, mental health, and physical health. They also felt the most confident about their ability to control all these different aspects.
The number of health and wellness professionals involved in a person's life also led to greater confidence about being about to control different health and wellness outcomes. People who had one to two health and wellness professionals involved in their lives consistently felt better about their health than those who had none.
However, the types of healthcare professionals people had involved in their lives varied by generation. Gen Z and millennials were much less likely to have a primary care physician (PCP) than older generations, but they were more likely to have a mental health therapist. Eighteen percent of millennials and 15% of Gen Z had both a PCP and mental health therapist.
Younger generations were also more likely to have more than one health professional than older generations, with 25% of Gen Z and millennials having three or more health professionals compared to 11% of Gen X and 7% of baby boomers.
"Teenagers have yet to be able to distinguish between an AI-generated TikTok video vs. consulting with Copilot Health or Claude."
Gen Z and millennials also spent more on various self-care items or services than older generations, including vitamins/supplements, organic foods, salon services, meal delivery services, fitness apps, mental health therapy, and gym memberships. While vitamins/supplements were a near universal investment across different generations (84% to 92%), Gen Z and millennials dominated spending in the other categories.
Many Gen Z and millennials spend $100 or more per month across their top self-care categories while fewer than one in six Gen X and baby boomers do the same.
People are increasingly turning to technology to answer their health questions instead of healthcare professionals.
In the survey, 49% of respondents said they used an online search to manage their health in the past 12 months, compared to 40% who said they used a doctor, nurse, or health professional. The use of AI for health is also growing, with 24% of respondents saying that used an AI tool to manage their health in the past 12 months.
In addition, 26% of respondents said they used AI instead of a physician in the past 12 months, and 15% said they used AI instead of a mental health therapist. Notably, this response is heavily skewed by Gen X and baby boomers who largely have no AI usage. In comparison, two-thirds of millennials and three-fourths of Gen Z indicated that they used AI for a health-related concern that could typically be addressed by a human expert.
The survey also found that using AI may be helping younger generations, especially Gen Z, understand their risk of serious illnesses, such as cancer, and take appropriate measures to screen for and prevent them. Among Gen Z respondents who reported using AI, 55% have a PCP compared to 43% of nonusers, and 61% have had a preventive cancer screening compared to 55% of nonusers.
At the same time, AI usage may be hindering preventive care among Gen Z since they typically rely on online or AI resources first. Among Gen Z respondents who use AI, 29% will only schedule a doctor's appointment when they can't find answers online or through AI, compared to 11% of nonusers. Similarly, 15% of Gen Z AI users do not get regular checkups and screenings because they prefer to self-diagnose, compared to 9% of nonusers.
According to Matthew Owenby, chief HR officer and chief administrative officer at Aflac, "[y]oung Americans are replacing in-person preventive care with the convenience and speed of digital health support."
"The use of AI and other digital-first healthcare resources isn't inherently negative, as it ultimately depends on how the information is used," Owensby said. However, "[w]hat is alarming is the rate that Gen Z is delaying or forgoing preventive care, greatly lessening the opportunity for early detection or a critical health diagnosis from a medical professional."
At the same time, Carol Chouinard, VP and provider technology practice lead at Optum Advisory*, said that while consulting AI isn't as good as consulting a PCP, younger generations being "willing to engage in their care is overall a very positive trend."
It is also easier to access an AI tool compared to a PCP, Chouinard said. People can interact with, follow up, and get more details from an AI tool more quickly and easily than a healthcare professional most of the time.
However, the quality of the information people can get will depend on the AI platform they decide to consult. "Teenagers have yet to be able to distinguish between an AI-generated TikTok video vs. consulting with Copilot Health or Claude," Chouinard said.
Ben Isenhour, a senior director of provider technology consulting at Optum Advisory, also highlighted the need for healthcare organizations to engage with patients using tools that they're most comfortable with. "These digital-first trends make it critical for healthcare organizations to adopt the AI patient engagement tools EHR vendors are now offering," he said.
For example, "[a] portal-based AI agent lets patients get answers grounded in their actual clinical history, while giving health systems a built-in path to pull in the right clinician, demonstrating the human-in-the-loop commitment that safe, trustworthy healthcare requires," Isenhour said.
Overall, "people engaging more in their care is good, and the access provided by good AI is great," Chouinard said. But people will need to ensure that the AI platform they consult is high quality.
*Advisory Board is a subsidiary of Optum. All Advisory Board research, expert perspectives, and recommendations remain independent.
(Aflac 2026 Wellness Matters survey, accessed 8/6; Aflac press release, 8/4; Gleeson, Fierce Healthcare, 8/4)
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