Most of us are aware that controlling health risks and improving disease management are key strategies for saving money as a nation, as well as raising productivity and expanding workforce participation. Small lifestyle changes can prevent disease or enable a condition to be better managed, producing a sizable economic benefit. For instance, if only 1 in 10 Americans start routine walking programs, the health-care system would save $6 billion. Yet risk factors for most chronic diseases, including obesity and high cholesterol, are on the rise. Why? What factors influence personal choice? What about financial incentives? Programs that paid smokers to quit boosted cessation rates by over 60 percent compared to education alone. Should such interventions start at an early age? What works for the mature years? This panel will explore the economics and opportunities around healthy savings and the gains associated with smart choices. It will also discuss which interventions have the greatest impact, and why.