The healthcare industry has blossomed into one of the most pivotal and technologically advanced sectors in the past decade. Individuals grapple with the peril of untimely demise from diverse ailments as patients suffer from delayed treatment. The paramount objective is to forge a dependable patient care system utilizing the Internet of Things (IoT), enabling physicians to monitor patients' well-being within medical facilities or even the confines of their homes. The system aids in tracking the patient's SpO2 level, body temperature, pulse rate (beats per minute), room temperature, and humidity, then trains the data with machine learning algorithms for the patient and finally monitors it through the Blynk IoT system. The cloud-stored data can be harnessed to ascertain and supervise one's health and predict forthcoming perils. This study unveils an efficacious decision-making model custom-tailored for Internet of Things (IoT) ventures, and the proposed trained algorithm satiates these requirements, offering efficiency and precision, rendering it appropriate for numerous IoT applications. Finally, the Shapley Additive Explanations (SHAP) is used here for finding out the most influential parameters, and Explainable AI (XAI) is utilized with the help of SHAP values for enhanced information on affecting parameters. The SVC model's hyperparameter is properly adjusted, yielding a testing accuracy of 98.83 % and a training accuracy of 98.71 %. On cross-validation, the lightweight Sklearn model achieved a mean accuracy of almost 99 %. And with a SHAP weightage magnitude of 1.38, 0.91, and 0.44 for Class ‘Good’, Class ‘Poor’, and Class ‘Bad’, respectively, patients SpO2 level is the most significant feature.