With the combined impact of multiple factors, China’s population aging has entered a phase of rapid development. Among various elderly care models, community and home-based care under the “9073” model has become the mainstream demand, yet the service system faces prominent contradictions. Primary healthcare services suffer from imbalances in investment mechanisms, uneven equipment distribution, and shortages of human resources; the gap in home care personnel is widening, with high attrition rates driven by work pressure; there exists a mismatch between the personalized needs of the elderly and traditional standardized services; and inefficiencies persist throughout the entire service chain. To address these challenges, this paper proposes a three-dimensional innovation pathway encompassing service supply, collaborative mechanisms, and technological integration. Service supply: Establish a “community-home-family” interconnected network and tiered service packages combining “basic care + specialized support.” Collaborative mechanisms: Develop a multi-sectoral “medical-social-health-wellness” coordination model. Technological integration: Achieve intelligent care transformation through “smart devices + digital platforms.” Implementation of this innovative model requires three core pillars: policy (subsidies, pricing, regulation), resources (diverse integration), and talent (development, incentives, retention). The organic integration of these elements can effectively overcome supply bottlenecks, ensure high-quality development of community and home-based care, and help address the challenges of population aging.