In health care, as well, opportunities to save money while improving health are large. Obamacare and the state's new Medicare waiver give Maryland powerful tools to reward better health, not more medical procedures. The key is to change the incentives for doctors, hospitals and nursing homes — focus on digital medical records, telemedicine, managed care for chronic diseases and preventive health. Like early-college high school, these initiatives save money for families as well as the state. And, since so many employers share the cost of health insurance, we can save money for business as well.