Weekly Address: 2015年 打造质优价廉的医疗保险 每周电视讲话：2015年 打造质优价廉的医疗保险

WASHINGTON, DC -- In this week’s address, the Vice President wished Americans a Happy New Year, and asked that as we make resolutions to get healthier in 2015, we take the time to sign up for health insurance through the Affordable Care Act. Millions of people have already signed up for quality, affordable health care under the law, and there is still time to secure the peace of mind that comes with getting covered. From now until February 15th, you can sign up by logging on to HealthCare.gov, speaking to someone on the phone through the 24/7 call center at 1-800-318-2596 where you can get assistance in 150 languages, or going in person to an enrollment event in your community. 华盛顿：在本周的讲话中，副总统拜登先生祝愿全美人民新年快乐，并呼吁大家，为了2015年的健康有更好的保障，在《平价医疗保险法》的保障下，尽快登记获取医疗保险。已经有数百万人获得了高质量、低价格的医疗保险，为了获得心灵上的安宁，购买医疗保险是必要的，现在还来得及。从现在起到2月15日，大家可以可以通过以下方式获得医疗保险：登录网站（HealthCare.gov）并注册，或者通过24小时热线电话1-800-318-2596直接与呼叫中心的人员联系，他们将提供150种语言的帮助，或者直接到社区登记注册。

Hello everyone, this is Joe Biden. I want to wish you all a Happy New Year. 大家好。我是乔·拜登。首先祝大家新年快乐！

I know this is the time of year when we make resolutions to take care of our health, whether it's joining a gym or eating healthier. But there's one thing you can do right now that will also make a big difference in your health: that is getting quality, affordable health insurance through the Affordable Care Act. 每年的这段时间是大家养生健体的时间，大家或是去健身房或是平衡健康饮食。但现在还有一件事，做好了也能给你的健康带来很大变化：那就是按照《平价医疗保险法》的规定，获得质优价廉的医疗保险。

Because of that law, access to quality health care is improving. Last year, almost 7 million people signed up for health care coverage under the new law and paid their premiums. And in many cases the cost of health care is less than the cost of your cell phone or your cable bill. In addition, millions more are getting the care that they need through Medicaid that they weren't getting before. 正是有了这部法律，得到高质量的医疗保险变的容易了。去年，大约有700万人按照新法注册购买了医保保障。对大多数人来说，购买保险的支出并不比手机费或有线电视费要高。此外，还有数百万人通过医疗互助计划获得了他们以前享受不到的保障。

And because of the new law, people who already had health insurance are also benefitting from additional protections. For example, their insurance companies can't deny them coverage because of pre-existing conditions, like asthma or diabetes. And they’re able to get -- for free -- preventive services like mammograms or blood pressure screenings that their doctors ordered for them, saving them a lot of money. 由于有了这部法律，以前已经有医疗保险的人也因增加的保护条款而获益。例如，保险公司不能因为被保险人已有的病史而拒绝承保，比方说哮喘或糖尿病。而且他们还能免费获得像胸腔透视、血压监测等预防性的检查服务，这将为他们节省很大一笔钱。

Everyone is beginning to realize what millions of you already know -- the Affordable Care Act is working. And we're just getting started. Because there are millions more of you who can get quality, affordable health care if you sign up before February 15th of this year. That’s now through February 15th. 所有人都开始意识到这一现实，《平价医疗保险法》初见成效了。不过我们这才刚刚开始，因为还有数百万人有条件获得质优价廉的医疗保险，不过大家需要在2月15日前登记注册。这段时间就是从现在开始到2月15号为止。

Now if you don't have insurance, you can go to HealthCare.gov, where you'll find a menu of a bunch of different plans and what each plan covers and how much each plan costs. All you have to do is just pick one. The best one that fits your family's health care needs and your family's budget. 如果你目前还没有参保，你可以登录HealthCare.gov，在这个网站上你可以找到一堆的不同保险方案，包括每项方案的保障内容以及保险价格。你所要做的就是选择其中的一个。找到满足你家庭医保需求，在家庭支出承受能力内的最优方案。

If you don't want to go to HealthCare.gov and you want to talk to somebody on the phone instead, you can call, I'm going to give you the number now, you can call 1-800-318-2596. From this moment on, you can call any time of the day, any day of the week. Phone lines are open 24 hours a day, 7 days a week. And for folks listening today whose family and friends may not speak English: let them know that there are translators available in over 150 language to guide them through the process. 如果你不想上网，想直接通过电话与别人沟通，你也可以打电话，以下就是电话号码：1-800-318-2596。这是24小时热线，你随时可以拨打。对于今天才知道这个消息而且身边还有还不会说英语的亲朋的人，请告诉他们，热线电话提供翻译，可以提供150种语言来帮助指导大家完成所有流程。

And if you're not comfortable going online or speaking on the phone, and you want to sit down with an individual to help you through this, you can find out where to go as well. Because in every community, at local libraries or community health centers, people are there to help. All you have to do is go on HealthCare.gov, type in where you live, and you can find out exactly where to go to sit down with a person who will help you walk through the process. 如果你既不喜欢上网也不喜欢打电话，就希望有人面对面坐下指导你完成这些操作，你也可以找到合适的地方。在每个社区，当地的图书馆或社区医疗中心都有人员随时为你服务。你需要做的就是登录HealthCare.gov，输入你所居住的地方，就可以准确的找到最近的服务点，这样你就可以找到服务人员帮你完成所有流程。

But here's the really important point I want to make. If you don't sign up by February 15th of this year -- with only a very few exceptions -- if you don’t sign up by the 15th of this year, you’re going to have to wait until 2016 to get health insurance through the Affordable Care Act. 但还有很重要的一点需要提醒大家。如果你今年的2月15日还没有登记，除了极少数的例外，如果2月15日还没有登记，按照《平价医疗保险费》的规定，那你就要等到2016年才能购买医保了。

And even those of you who already have health insurance through the Affordable Care Act, you can also go on HealthCare.gov to find a plan that might offer more benefits or be more affordable in price for you. You might even qualify for additional help paying for the insurance you choose because your income isn't what it was last year. 即便你已经享有医保，你也可以去HealthCare.gov网站上找找，看看有没有更合适，价格更合理的保险方案。也许你能有资格获得额外的好处，因为今年你缴纳保费时你的收入跟去年可能又不一样了呢。

Now I'm sure some of you already heard from your friends and neighbors who’ve signed up for health insurance under the Affordable Care Act what I hear all around the country. I hear it provides peace of mind that someone you love will be covered if God-forbid something happens. It provides security, so if you have a bad strain in your ankle or your back and you don’t have the money to get treatment, you can now get the treatment rather than wait, put it off, and end up with a chronic condition. And it provides a lot of freedom, and choice, and opportunity -- so you can switch jobs or move to another city without the fear that you'll lose out on the health insurance with the company you now have it with. And what I'm hearing most is how pleased and excited people are about how affordable it is. 我相信，很多人应该已经从亲朋好友那里知道，很多人都已经在《平价医疗保险法》出台后购买了保险，这跟我在全国了解到的情况一样。人们反映说保险提供了心灵上的保障，一旦发生不幸也不用太担心了。它提供的是一份安宁，如果你的脚踝或后背疼痛难忍，而你有没有钱去医治，现在你就可以去治疗，不必再等，尽快治，以免形成慢性病。它提供了自由、选择和机会，这样你跳槽或搬到其它城市的时候就不用担心你会丢掉原公司的医疗保险了。我听见人们反映最多的就是保险费更低廉了，这让大家很高兴。

An awful lot of people who didn't think they could or would find quality, affordable health insurance are actually able to get assistance from the government to help them pay for their health care plans at a cheaper rate. Let me give you an example. A family of four with an income of around $95,000, they can still get a subsidy to lower their health care premiums. 还有相当一部分人买不起或买不到质优价廉的医疗保险，这些人现在可以获得政府的资助，以更优惠的价格获得医疗保险。我们简单举个例子，比方说一个普通的四口之家年收入在9.5万美元左右，他们依然可以得到一份补贴，这样购买保险的费用就能得以降低。

But maybe most importantly, what I hear is that we have finally ended the debate in this country of whether or not health insurance is a right or a privilege. We think everyone in America has a right to have adequate health care insurance. And the Affordable Care Act gives them that right. 最为重要的一点是，我们终于结束了关于在这个国家医疗保险到底应该是让人人享有的权利还是一种少数人享有的特权的争论。我们承认在美国，人人都有权享有充分的医疗保险。《平价医疗保险法》给了我们这份权利。

So sign up. And spread the word. Protect your health -- not only for your sake, but for the sake of your families. 所以请抓紧登记，并告诉身边的人。保护你的健康不仅仅是为了你自己，更是为了你的家人。

Thanks for listening, and Jill and I wish you again a happy and healthy New Year. God bless you, and may God protect our troops. 谢谢聆听，Jill和我再次祝愿大家新年快乐，身体健康。愿上帝保佑大家，愿上帝保佑我们的军人。