Weekly Address: If You Haven't Gotten Covered, Now's Your Chance (November 7, 2015)

奧巴馬每周電視講話：總統呼吁參保平價醫療法案

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！幾十年來，有太多工薪階層沒有醫療保險的保障，他們的個人財富也因此蒙受損失。

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.

我們采取措施改變了這一現狀。隨著《平價醫保法案》的實施，有1760萬美國人得到了保障。自2010年以來，未參保率下降了45%。而且首次有超過90%的美國民眾得到保障。

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.

如果你還沒有參保，或者你所關心的人還沒有參保，現在是個好機會。醫療保險市場再次開放注冊了。

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.

也就是說，你只需要在醫療保險官方網站HealthCare.gov上輕點鼠標，就可以看到眾多私營保險公司競相為你提供服務。你可以比較各種保險方案，選擇最適合你的家庭的方案。實際上對大多數美國人而言，一份保險每個月可能只需要支付75美元。即便你已經通過網上市場購買了保險，也可以核對一下。在線比價挑選可以為你節省很多錢，去年，一般消費者在線購買保險可節省約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.

一個叫Phil Viso的人今年年初發郵件給我，分享了他的故事。Phil是來自于我的故鄉芝加哥的一名軟件開發人員，他想開發一款自己的App并成立自己的公司。一般這種情況下為自己購買保險費用會很嚇人。但Phil登錄了HealthCare.gov，回答了幾個問題，選擇了一份保險方案，最后發現還可以享受稅收優惠，為他節省了資金。

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.”

他在信中寫到：“直到現在，我依然為登錄醫療保險官網后的經歷感到震驚…在我開發App的過程中，我曾擔心很多事情，但謝天謝地，超值的醫療保險再也不是我需要擔心的事情了。”

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.

將郵件發給我之后，Phil還是找到了一份更好的工作。但這正是醫療保險的關鍵之所在，帶給人們心靈上的安定。有了《平價醫保法案》，如果你想換工作，或者回學校學習，或者去實現自己的新創意，你完全可以放手去做，而不用擔心一旦生病會陷入危機。如果你有既往病史，例如糖尿病、癌癥、心絞痛、心力衰竭等等，你繳納的保費也不會上漲，更不會被拒保。你再也不會因為身為女性而被多收保費。檢查和免疫接種等預防性的服務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.

現在我們所談論的不僅僅是一部法律，它也完全不是什么神話或者是憤世嫉俗的人口中多年來所宣稱的什么恐怖圈套。它就是現實的樣子，這就是美國的醫療保險。最重要的是，美國人民喜歡它，大家都對自己的保險方案和費率感到欣慰。

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.

所以請與大家一起，抓住機會，登錄HealthCare.gov或CuidadodeSalud.gov網站去看看，或者致電1-800-318-2596，為自己或你關心的人選擇一份合適的保險。

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個參加“健康社區挑戰大賽”的城市之一，我希望看到你們帶領你們的鄰居們注冊參保。最后哪個城市未參保人員的參保率最高，我就去那個城市訪問。我鄭重承諾。

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.

無論如何，當我們彼此關愛的時候，這個國家才是最好的國家。讓我們攜起手來，幫助更多的人獲得他們以及他們的家人應該得到的保障。

Thanks everybody.Have a great weekend.

謝謝大家！祝周末愉快！

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