Weekly Address: If You Haven't Gotten Covered, Now's Your Chance

每周电视讲话：还未参保的人请抓紧机会

WASHINGTON, DC — In this week's address, the President discussed the importance of reducing the number of people without health insurance. Because of the Affordable Care Act, more people now have the security of health insurance than ever before. As the law’s coverage provisions have taken effect, 17.6 million Americans have gained coverage, and the nation’s uninsured rate now stands at its lowest level ever. The ACA is working, making health care more affordable, accessible, and of higher quality for millions of people. But there are still Americans around the country who are eligible for Marketplace coverage yet remain uninsured. The President encouraged those who do not have health insurance at this point, especially those whose communities are part of the Healthy Communities Challenge, to go online, take advantage of the open enrollment period that began this past weekend, and sign up for health care coverage.

华盛顿：在本周的讲话中，奥巴马总统强调了降低未参加医疗保险人数的重要性。由于有了《平价医保法案》，拥有医疗保险的人比以前多了。该法的实施产生了效果，1760万人得到了保障，全国的未参保率也下降到历史最低水平。平价医保法实施以来，数百万美国民众享受的医保价格更低，购买更方便，服务质量更高。但是全国依然还有大量的有资格在在线医保市场购买医保的人还没有参保。总统也鼓励当前还没有保险的人，尤其是生活在参加“健康社区挑战大赛”的城市的人们，抓紧时间，登录网站，利用本周刚刚开放注册的时机，注册获取自己的医疗保险保障。

Hi, everybody. For decades, too many working Americans went without the security of health insurance -- and their financial well-being suffered because of it.

大家好！几十年来，有太多工薪阶层没有医疗保险的保障，他们的个人财富也因此蒙受损失。

We’ve begun to change that. As the Affordable Care Act has taken effect, we’ve covered 17.6 million Americans. Since 2010, the uninsured rate has decreased by 45%. And for the first time, more than 90% of Americans are covered.

我们采取措施改变了这一现状。随着《平价医保法案》的实施，有1760万美国人得到了保障。自2010年以来，未参保率下降了45%。而且首次有超过90%的美国民众得到保障。

If you haven’t gotten covered yet, or if you care about someone who hasn’t gotten covered yet, now’s your chance. It’s open enrollment season for the Health Insurance Marketplace.

如果你还没有参保，或者你所关心的人还没有参保，现在是个好机会。医疗保险市场再次开放注册了。

What that means is, with a few clicks on HealthCare.gov, you’ll find private insurance companies competing for your business. You can compare plans and choose the one that’s right for your family. In fact, most Americans will find an option that costs less than $75 a month. Even if you already have insurance through the Marketplace, check it out. Shopping around can save you a lot of money -- last year, consumers who shopped saved almost $400.

也就是说，你只需要在医疗保险官方网站HealthCare.gov上轻点鼠标，就可以看到众多私营保险公司竞相为你提供服务。你可以比较各种保险方案，选择最适合你的家庭的方案。实际上对大多数美国人而言，一份保险每个月可能只需要支付75美元。即便你已经通过网上市场购买了保险，也可以核对一下。在线比价挑选可以为你节省很多钱，去年，一般消费者在线购买保险可节省约400美元。

Take the story of a man named Phil Viso, who emailed me earlier this year. Phil’s a software developer from my hometown of Chicago. Last winter, he had an idea for a new app and decided to start his own company. And that can be scary when you need to get your own insurance. But Phil logged on to HealthCare.gov, answered a few questions, picked a plan, and even found out he was eligible for a tax credit that saved him money.

一个叫Phil Viso的人今年年初发邮件给我，分享了他的故事。Phil是来自于我的故乡芝加哥的一名软件开发人员，他想开发一款自己的App并成立自己的公司。一般这种情况下为自己购买保险费用会很吓人。但Phil登录了HealthCare.gov，回答了几个问题，选择了一份保险方案，最后发现还可以享受税收优惠，为他节省了资金。

Here’s what he wrote: “I’m still sort of in shock about how great the experience of signing up for health care was…I will have a lot to worry about over the course of the year as I try to get my app released, but thankfully, good health care will not be one of those worries.”

他在信中写到：“直到现在，我依然为登录医疗保险官网后的经历感到震惊…在我开发App的过程中，我曾担心很多事情，但谢天谢地，超值的医疗保险再也不是我需要担心的事情了。“

After he sent me that email, Phil ended up getting a new and better job anyway. But that’s the whole point of health insurance. Peace of mind. And under the Affordable Care Act, if you want to change jobs, go back to school, or chase that new idea, you can do it without worrying about going broke if you get sick. If you’ve got a pre-existing condition -- diabetes or cancer or heartburn or a heart attack -- you can no longer be charged more or denied coverage. You can no longer be charged more just for being a woman. And preventive care like checkups and immunizations now come with no additional out-of-pocket costs.

将邮件发给我之后，Phil还是找到了一份更好的工作。但这正是医疗保险的关键之所在，带给人们心灵上的安定。有了《平价医保法案》，如果你想换工作，或者回学校学习，或者去实现自己的新创意，你完全可以放手去做，而不用担心一旦生病会陷入危机。如果你有既往病史，例如糖尿病、癌症、心绞痛、心力衰竭等等，你缴纳的保费也不会上涨，更不会被拒保。你再也不会因为身为女性而被多收保费。检查和免疫接种等预防性的服务再也不需要你自掏腰包了。

What we’re talking about is no longer just a law, and it's certainly not the myths and scare tactics that the cynics have peddled our way for years. This is reality. This is health care in America. And the bottom line is, Americans like it. They’re happy with their plans and their premiums.

现在我们所谈论的不仅仅是一部法律，它也完全不是什么神话或者是愤世嫉俗的人口中多年来所宣称的什么恐怖圈套。它就是现实的样子，这就是美国的医疗保险。最重要的是，美国人民喜欢它，大家都对自己的保险方案和费率感到欣慰。

So join them. Give it a shot. Check out HealthCare.gov, CuidadoDeSalud.gov, or call 1-800-318-2596 to find a plan that’s right for you or someone you care about.

所以请与大家一起，抓住机会，登录HealthCare.gov或CuidadodeSalud.gov网站去看看，或者致电1-800-318-2596，为自己或你关心的人选择一份合适的保险。

And by the way -- if you live in one of the 20 cities participating in our Healthy Communities Challenge, I want to see how many of your neighbors you can get signed up. I’ll come visit the city that enrolls the highest percentage of folks who aren’t covered right now. That’s a promise.

另外，如果你所在的城市是20个参加“健康社区挑战大赛”的城市之一，我希望看到你们带领你们的邻居们注册参保。最后哪个城市未参保人员的参保率最高，我就去那个城市访问。我郑重承诺。

After all, this country is at its best when we look out for each other. And together, we can help more Americans get the security that they and their families deserve.

无论如何，当我们彼此关爱的时候，这个国家才是最好的国家。让我们携起手来，帮助更多的人获得他们以及他们的家人应该得到的保障。

Thanks everybody. Have a great weekend.

谢谢大家！祝周末愉快！