Artificial intelligence is transforming personalized healthcare, yet fragmented clinical, self reported, and wearable evidence remains difficult to interpret and trace. We present CareGraph, an auditable hybrid AI framework that converts heterogeneous records into prioritized trends, missing context indicators, bounded next steps, discussion questions, and provenance linked explanations. CareGraph organizes evidence without diagnosing, predicting outcomes, selecting treatment, or making autonomous clinical decisions. Its pipeline covers deterministic analysis, context detection, graph construction, constrained language model synthesis, evidence validation, safety controls, and release gating. Tests used synthetic cohorts of 400 patients each for development, validation, and holdout. On holdout data, a frozen ordinary least squares trend rule with a sufficiency gate achieved 0.827 accuracy, 0.837 macro F1 with a 95 percent confidence interval of 0.819 to 0.854, and 0.974 insufficient data F1. Missing context detection achieved 0.815 strict micro F1 versus 0.318 for the legacy detector. On an authored holdout benchmark, safety ruleset version 1.2 achieved 1.000 precision, 0.950 recall, and 0.974 F1. An audit requiring graph retrieval across 80 patients yielded 79 syntheses and 78 presentations without fallback; one output was blocked and one failed closed because of an invalid evidence key. Against monolithic GPT 5.6 on 56 matched patients, CareGraph was faster at 40.15 versus 49.62 seconds, shorter at 661 versus 1,163 words, and showed better exploratory lexical alignment with longitudinal targets; the baseline used fewer tokens and cited more raw evidence. Graph auditing verified provenance and deterministic retrieval; incremental graph effects on generation require paired evaluation. CareGraph offers a safety bounded foundation for intelligent personalized health systems.

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