Good afternoon. Earlier today, the Supreme Court upheld the constitutionality of the Affordable Care Act -- the name of the health care reform we passed two years ago. In doing so, they've reaffirmed a fundamental principle that here in America -- in the wealthiest nation on Earth – no illness or accident should lead to any family's financial ruin. 下午好。今天早些时候，最高法院裁定《平价医疗法案》符合宪法，这就是我们两年前通过的医疗改革法。借此裁决，法院重申了一个根本原则：在美国这个地球上最富裕的国家，任何疾病或意外都不应导致一个家庭陷入财务困境。
I know there will be a lot of discussion today about the politics of all this, about who won and who lost. That's how these things tend to be viewed here in Washington. But that discussion completely misses the point. Whatever the politics, today's decision was a victory for people all over this country whose lives will be more secure because of this law and the Supreme Court's decision to uphold it. 我知道今天会有许多关于政治的讨论，谁赢了、谁输了。在华盛顿，人们往往这样看待事情。但这种讨论完全偏离了重点。无论政治如何，今天的裁决都是全国人民的胜利，因为这项法律以及最高法院维护它的决定，将让他们的生活更加有保障。
And because this law has a direct impact on so many Americans, I want to take this opportunity to talk about exactly what it means for you. 由于这项法律直接影响如此多的美国人，我想借此机会谈谈它对你究竟意味着什么。
First, if you're one of the more than 250 million Americans who already have health insurance, you will keep your health insurance -- this law will only make it more secure and more affordable. 首先，如果你是已经拥有医疗保险的两亿五千万多名美国人之一，你将继续享有保险；这项法律只会让它更有保障、更负担得起。
Insurance companies can no longer impose lifetime limits on the amount of care you receive. They can no longer discriminate against children with preexisting conditions. They can no longer drop your coverage if you get sick. They can no longer jack up your premiums without reason. 保险公司不能再对你一生可获得的医疗额度设定上限，不能再歧视有既往病史的儿童，不能因你生病就取消保障，也不能毫无理由地大幅提高保费。
They are required to provide free preventive care like check-ups and mammograms -- a provision that's already helped 54 million Americans with private insurance. And by this August, nearly 13 million of you will receive a rebate from your insurance company because it spent too much on things like administrative costs and CEO bonuses, and not enough on your health care. 它们必须免费提供体检、乳房X光检查等预防性医疗；这一规定已经帮助了5400万拥有私人保险的美国人。到今年8月，近1300万人还将从保险公司获得退费，因为这些公司在行政成本和高管奖金上花得太多，在医疗保健上花得太少。
There's more. Because of the Affordable Care Act, young adults under the age of 26 are able to stay on their parent's health care plans -- a provision that's already helped 6 million young Americans. And because of the Affordable Care Act, seniors receive a discount on their prescription drugs -- a discount that's already saved more than 5 million seniors on Medicare about $600 each. 还有更多。由于《平价医疗法案》，26岁以下的年轻人可以继续留在父母的医疗计划中，这一规定已经帮助了600万年轻美国人。由于这项法案，老年人购买处方药可享受折扣；这一折扣已经让超过500万参加医疗保险的老年人每人节省约600美元。
All of this is happening because of the Affordable Care Act. These provisions provide common-sense protections for middle class families, and they enjoy broad popular support. And thanks to today's decision, all of these benefits and protections will continue for Americans who already have health insurance. 这一切都源于《平价医疗法案》。这些条款为中产阶级家庭提供了常识性的保护，并得到广泛民众支持。多亏今天的裁决，已经拥有医疗保险的美国人将继续享有所有这些福利和保障。
Now, if you're one of the 30 million Americans who don't yet have health insurance, starting in 2014 this law will offer you an array of quality, affordable, private health insurance plans to choose from. Each state will take the lead in designing their own menu of options, and if states can come up with even better ways of covering more people at the same quality and cost, this law allows them to do that, too. And I've asked Congress to help speed up that process, and give states this flexibility in year one. 如果你是尚未拥有医疗保险的3000万美国人之一，从2014年开始，这项法律将为你提供一系列优质、负担得起的私人保险计划供选择。各州将负责设计自己的选项菜单；如果各州能以同样的质量和成本找到覆盖更多人的更好办法，这项法律也允许它们这样做。我已要求国会加快这一进程，让各州从第一年起就拥有这种灵活性。
Once states set up these health insurance marketplaces, known as exchanges, insurance companies will no longer be able to discriminate against any American with a preexisting health condition. They won't be able to charge you more just because you're a woman. They won't be able to bill you into bankruptcy. If you're sick, you'll finally have the same chance to get quality, affordable health care as everyone else. And if you can't afford the premiums, you'll receive a credit that helps pay for it. 各州建立这些被称为交易所的医疗保险市场后，保险公司将不能再歧视任何有既往病史的美国人。它们不能仅仅因为你是女性就多收费，不能把账单抬到让你破产。如果你生病了，你终于能和其他人一样获得优质且负担得起的医疗；如果你付不起保费，你还会得到帮助支付费用的抵免额。
Today, the Supreme Court also upheld the principle that people who can afford health insurance should take the responsibility to buy health insurance. This is important for two reasons. 今天，最高法院还维护了这样一项原则：负担得起医疗保险的人应承担购买保险的责任。这一点很重要，有两个原因。
First, when uninsured people who can afford coverage get sick, and show up at the emergency room for care, the rest of us end up paying for their care in the form of higher premiums. 第一，负担得起保险却没有保险的人生病后到急诊室接受治疗，我们其余的人最终会通过更高的保费替他们支付费用。
And second, if you ask insurance companies to cover people with preexisting conditions, but don't require people who can afford it to buy their own insurance, some folks might wait until they're sick to buy the care they need -- which would also drive up everybody else's premiums. 第二，如果要求保险公司为有既往病史的人提供保障，却不要求负担得起的人购买自己的保险，有些人可能会等到生病后才购买所需保障，这也会推高其他所有人的保费。
That's why, even though I knew it wouldn't be politically popular, and resisted the idea when I ran for this office, we ultimately included a provision in the Affordable Care Act that people who can afford to buy health insurance should take the responsibility to do so. In fact, this idea has enjoyed support from members of both parties, including the current Republican nominee for President. 这就是为什么，尽管我知道这在政治上并不受欢迎，而且竞选总统时曾反对这一想法，我们最终仍在《平价医疗法案》中加入条款，要求负担得起医疗保险的人承担购买保险的责任。事实上，包括现任共和党总统候选人在内的两党成员都支持这一理念。
Still, I know the debate over this law has been divisive. I respect the very real concerns that millions of Americans have shared. And I know a lot of coverage through this health care debate has focused on what it means politically. 不过，我知道围绕这项法律的争论一直充满分歧。我尊重数百万美国人表达的真实担忧，也知道医疗改革辩论的大量报道都集中在其政治含义上。
Well, it should be pretty clear by now that I didn't do this because it was good politics. I did it because I believed it was good for the country. I did it because I believed it was good for the American people. 现在应该已经很清楚，我这样做并不是因为这在政治上有利，而是因为我相信它对国家有益，对美国人民有益。
There's a framed letter that hangs in my office right now. It was sent to me during the health care debate by a woman named Natoma Canfield. For years and years, Natoma did everything right. She bought health insurance. She paid her premiums on time. But 18 years ago, Natoma was diagnosed with cancer. 我的办公室里现在挂着一封来信。那是医疗改革辩论期间一位名叫娜托玛·坎菲尔德的女士寄给我的。多年来，娜托玛一切都做得对。她购买了医疗保险，按时缴纳保费。但18年前，娜托玛被诊断出癌症。
And even though she'd been cancer-free for more than a decade, her insurance company kept jacking up her rates, year after year. And despite her desire to keep her coverage -- despite her fears that she would get sick again -- she had to surrender her health insurance, and was forced to hang her fortunes on chance. 尽管她已经十几年没有复发，保险公司仍年年不断提高她的保费。尽管她希望保留保险——尽管她担心自己会再次生病——她不得不放弃医疗保险，被迫将命运交给机会。
I carried Natoma's story with me every day of the fight to pass this law. It reminded me of all the Americans, all across the country, who have had to worry not only about getting sick, but about the cost of getting well. 在争取通过这项法律的斗争中，我每天都带着娜托玛的故事。它让我想起全国各地的美国人：他们不仅要担心生病，还要担心康复的费用。
Natoma is well today. And because of this law, there are other Americans -- other sons and daughters, brothers and sisters, fathers and mothers -- who will not have to hang their fortunes on chance. These are the Americans for whom we passed this law. 娜托玛如今已经康复。由于这项法律，还有其他美国人——其他儿女、兄弟姐妹、父亲母亲——不必再把命运交给机会。这些人正是我们通过这项法律所要帮助的美国人。
The highest Court in the land has now spoken. We will continue to implement this law. And we'll work together to improve on it where we can. But what we won't do -- what the country can't afford to do -- is refight the political battles of two years ago, or go back to the way things were. 这个国家的最高法院已经作出裁决。我们将继续实施这项法律，并共同努力，在可以改进的地方加以完善。但我们不会做、国家也承担不起的，是重新争论两年前的政治斗争，或回到过去的状况。
With today's announcement, it's time for us to move forward -- to implement and, where necessary, improve on this law. And now is the time to keep our focus on the most urgent challenge of our time: putting people back to work, paying down our debt, and building an economy where people can have confidence that if they work hard, they can get ahead. 随着今天的宣布，我们是时候向前迈进，实施并在必要时改进这项法律。现在也正是我们聚焦时代最紧迫挑战的时候：让人们重返工作岗位，偿还债务，建设一个让人们相信只要努力工作就能取得进步的经济。
But today, I'm as confident as ever that when we look back five years from now, or 10 years from now, or 20 years from now, we'll be better off because we had the courage to pass this law and keep moving forward. 但今天，我比以往任何时候都更有信心：五年后、十年后或二十年后回望，我们会因为有勇气通过这项法律并继续前进而过得更好。
Thank you. God bless you, and God bless America. 谢谢大家。愿上帝保佑你们，愿上帝保佑美国。
