There are other steps we can take to help families make ends meet, and few are more effective at reducing inequality and helping families pull themselves up through hard work than the earned income tax credit. Right now, it helps about half of all parents at some point. But I agree with Republicans like Sen. Rubio that it doesn't do enough for single workers who don't have kids. So let's work together to strengthen the credit, reward work, and help more Americans get ahead.

我們也可以采取其他措施實(shí)現(xiàn)各個(gè)家庭收支相抵。在減少不平等現(xiàn)象、幫助家庭改善現(xiàn)狀方面，減免所得稅額似乎更能達(dá)到該目的?，F(xiàn)在它已在一定程度上幫助了大約半數(shù)的家庭。不過(guò)，我也同意共和黨參議員魯比奧先生的看法，這對(duì)尚無(wú)孩子的單身工人來(lái)說(shuō)還遠(yuǎn)遠(yuǎn)不夠。那就讓我們一同協(xié)作，加強(qiáng)稅收減免，獎(jiǎng)勵(lì)工作，讓更多美國(guó)人實(shí)現(xiàn)富裕。

Let's do more to help Americans save for retirement. Today, most workers don't have a pension. A Social Security check often isn't enough on its own. And while the stock market has doubled over the last five years, that doesn't help folks who don't have 401ks. That's why, tomorrow, I will direct the Treasury to create a new way for working Americans to start their own retirement savings: MyRA. It's a new savings bond that encourages folks to build a nest egg. MyRA guarantees a decent return with no risk of losing what you put in. And if this Congress wants to help, work with me to fix an upside-down tax code that gives big tax breaks to help the wealthy save, but does little to nothing for middle-class Americans. Offer every American access to an automatic IRA on the job, so they can save at work just like everyone in this chamber can. And since the most important investment many families make is their home, send me legislation that protects taxpayers from footing the bill for a housing crisis ever again, and keeps the dream of homeownership alive for future generations of Americans.

讓我們一起幫助民眾為退休儲(chǔ)蓄。如今大多數(shù)員工都沒(méi)有退休金。單靠一張社會(huì)保險(xiǎn)金的支票是不夠的。雖然過(guò)去五年里股票市場(chǎng)翻了一番，但這并沒(méi)能幫到那些未加入401k退休計(jì)劃的人。因此明天我會(huì)指示財(cái)政部創(chuàng)造一種新方式，確保工作人群可以開始為退休儲(chǔ)蓄，它就是“我的退休賬戶（MyRA）”——一種鼓勵(lì)人們創(chuàng)建新賬戶的新型儲(chǔ)蓄債券，可確保人們存錢后無(wú)任何賠錢的風(fēng)險(xiǎn)，未來(lái)也會(huì)有一筆可觀的收入。如果這一屆國(guó)會(huì)想出一份力，那就和我一起修復(fù)原先那個(gè)糟糕的免稅代碼——它提供的稅務(wù)減免有助于富人儲(chǔ)蓄，對(duì)中產(chǎn)階級(jí)的民眾卻無(wú)多大幫助。讓每個(gè)工作的美國(guó)人都能自動(dòng)擁有“個(gè)人退休金賬戶（IRA）”，這樣他們就可以跟在場(chǎng)的各位一樣為退休儲(chǔ)蓄。由于很多家庭進(jìn)行的最重要的投資就是他們的家，因此我們要通過(guò)立法，確保納稅人不再為住房危機(jī)埋單，讓美國(guó)未來(lái)的世世代代保持著擁有住房的夢(mèng)想。

One last point on financial security. For decades, few things exposed hard-working families to economic hardship more than a broken health care system. And in case you haven't heard, we're in the process of fixing that.

關(guān)于財(cái)政保障我再提最后一點(diǎn)。數(shù)十年來(lái)，沒(méi)有什么會(huì)比一個(gè)失敗的醫(yī)保體制更能讓勤勞努力的家庭陷入經(jīng)濟(jì)困難的境地。如果你們還不清楚情況的話，那么我告訴你們，我們正在修復(fù)這個(gè)體制。

A pre-existing condition used to mean that someone like Amanda Shelley, a physician assistant and single mom from Arizona, couldn't get health insurance. But on January 1st, she got covered. On January 3rd, she felt a sharp pain. On January 6th, she had emergency surgery. Just one week earlier, Amanda said, that surgery would've meant bankruptcy.

“已有疾病情況”指的就是像阿曼達(dá)?謝莉這一類人，她是亞利桑那州的一名醫(yī)師助理，也是一位單親媽媽，原先沒(méi)有健康保險(xiǎn)。但是1月1日，她有了醫(yī)保。1月3日，她感覺(jué)到一陣疼痛。1月6日，她接受了緊急手術(shù)。一周前，她說(shuō)如果沒(méi)有保險(xiǎn)，那次手術(shù)就會(huì)意味著破產(chǎn)。

That's what health insurance reform is all about - the peace of mind that if misfortune strikes, you don't have to lose everything.

所以這就是為什么要進(jìn)行醫(yī)保改革，這樣不幸降臨時(shí)你就能平常心面對(duì)，你也不用失去一切。

Already, because of the Affordable Care Act, more than 3 million Americans under age 26 have gained coverage under their parents' plans.

現(xiàn)在，由于平價(jià)醫(yī)療法案，300多萬(wàn)26歲以下的年輕人加入了父母的醫(yī)療保險(xiǎn)計(jì)劃。

More than 9 million Americans have signed up for private health insurance or Medicaid coverage.

900多萬(wàn)美國(guó)人已經(jīng)注冊(cè)了私人醫(yī)療保險(xiǎn)或針對(duì)窮人的醫(yī)療補(bǔ)助計(jì)劃。

And here's another number: zero. Because of this law, no American can ever again be dropped or denied coverage for a pre-existing condition like asthma, back pain, or cancer. No woman can ever be charged more just because she's a woman. And we did all this while adding years to Medicare's finances, keeping Medicare premiums flat, and lowering prescription costs for millions of seniors.

再說(shuō)一個(gè)數(shù)字：0。由于這項(xiàng)法案，再也不會(huì)有美國(guó)人因?yàn)橄?、背痛或癌癥這樣的已有疾病而享受不到醫(yī)療保險(xiǎn)。再也不會(huì)有女性因?yàn)樽约旱男詣e而要多支付費(fèi)用。同時(shí)，我們也在繼續(xù)提供資金支持老年保健醫(yī)療計(jì)劃，保持其保費(fèi)穩(wěn)定，并為無(wú)數(shù)老年人降低處方藥成本。