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 In the evolving landscape of artificial intelligence (AI) for healthcare, patient-centered approaches are essential to balance preventive care benefits against potential burdens. This conceptual manuscript introduces a novel framework for generating preventive care recommendations through explicit benefit–burden trade-offs, prioritizing individual patient utilities. Drawing from clinical AI architectures, healthcare analytics infrastructures, and electronic health record (EHR) intelligence ecosystems, we propose the patient utility trade-off architecture (PUTA). This multi-layered system integrates decision support pipelines with AI governance and interoperability frameworks. PUTA employs utility-based modeling to quantify benefits such as improved health outcomes and burdens like treatment side effects or resource demands, facilitating personalized recommendations in preventive settings. Theoretical formulas capture decision confidence and burden propagation, ensuring interpretive insights into system dynamics without empirical validation. We synthesize recent literature on clinical workflow integration and monitoring systems, highlighting how PUTA addresses gaps in patient-centered AI deployment. By emphasizing infrastructural uniqueness, including adaptive feedback topologies, this framework advances equitable preventive care. Implications for governance in diverse clinical environments underscore the need for robust data exchange and ethical monitoring, positioning PUTA as a foundational tool for future AI-driven healthcare systems.