The increasing complexity of disability-related healthcare conditions requires intelligent systems capable of integrating heterogeneous physiological, behavioral, nutritional, demographic, and functional health information under evolving real-world conditions. Existing healthcare artificial intelligence systems frequently rely on centralized black-box architectures that suffer from limited interpretability, unstable generalization under temporal drift, and weak deployment scalability in resource-constrained environments. This study proposes a lightweight organizational healthcare intelligence framework for multidomain disability risk prediction using harmonized National Health and Nutrition Examination Survey (NHANES) data. Instead of monolithic prediction, the proposed framework organizes lightweight specialist learners into cooperative teams representing behavioral, physiological, nutritional–metabolic, demographic–fairness, and functional–disability domains. Adaptive coordination among specialist teams is achieved through Nash-cooperative optimization integrated with swarm-based strategies including Particle Swarm Optimization, Ant Colony Optimization, Artificial Bee Colony Optimization, and Harris Hawks Optimization. The framework additionally incorporates explainable specialist reasoning, lightweight edge-oriented inference, and temporal robustness evaluation under heterogeneous healthcare distributions. Experimental evaluation using pooled NHANES 2011-2018 data achieved a 73.90% classification accuracy, a weighted F1-score of 68.03%, a Matthews correlation coefficient of 0.6228, and a multiclass area under the receiver operating characteristic curve of 0.8905. Explainability analysis demonstrated heterogeneous specialist domain contributions, with physiological reasoning achieving the strongest independent predictive capability while demographic–fairness specialization preserved cooperative organizational stability. Swarm-adaptive coordination further improved balanced optimization behavior while maintaining lightweight inference latency near 0.01 ms/sample. External later-cycle evaluation under temporally shifted NHANES environments demonstrated preservation of higher-level disability risk organization despite substantial distribution drift. The proposed framework provides a scalable, interpretable, lightweight, and temporally adaptive organizational intelligence approach for disability-aware healthcare analytics.