Telehealth has completed its transition from a speculative, venture-backed growth category to permanent healthcare infrastructure. Following the unprecedented surge during the early stages of the COVID-19 pandemic, when virtual care claims spiked to 78 times pre-pandemic levels, utilization has settled into a durable equilibrium approximately 38 times higher than pre-2020 baselines. Outpatient and office visit virtualisation has stabilised between 13% and 17% across clinical