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.

我们也可以采取其他措施实现各个家庭收支相抵。在减少不平等现象、帮助家庭改善现状方面，减免所得税额似乎更能达到该目的。现在它已在一定程度上帮助了大约半数的家庭。不过，我也同意共和党参议员鲁比奥先生的看法，这对尚无孩子的单身工人来说还远远不够。那就让我们一同协作，加强税收减免，奖励工作，让更多美国人实现富裕。

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.

让我们一起帮助民众为退休储蓄。如今大多数员工都没有退休金。单靠一张社会保险金的支票是不够的。虽然过去五年里股票市场翻了一番，但这并没能帮到那些未加入401k退休计划的人。因此明天我会指示财政部创造一种新方式，确保工作人群可以开始为退休储蓄，它就是“我的退休账户（MyRA）”——一种鼓励人们创建新账户的新型储蓄债券，可确保人们存钱后无任何赔钱的风险，未来也会有一笔可观的收入。如果这一届国会想出一份力，那就和我一起修复原先那个糟糕的免税代码——它提供的税务减免有助于富人储蓄，对中产阶级的民众却无多大帮助。让每个工作的美国人都能自动拥有“个人退休金账户（IRA）”，这样他们就可以跟在场的各位一样为退休储蓄。由于很多家庭进行的最重要的投资就是他们的家，因此我们要通过立法，确保纳税人不再为住房危机埋单，让美国未来的世世代代保持着拥有住房的梦想。

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.

关于财政保障我再提最后一点。数十年来，没有什么会比一个失败的医保体制更能让勤劳努力的家庭陷入经济困难的境地。如果你们还不清楚情况的话，那么我告诉你们，我们正在修复这个体制。

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.

“已有疾病情况”指的就是像阿曼达•谢莉这一类人，她是亚利桑那州的一名医师助理，也是一位单亲妈妈，原先没有健康保险。但是1月1日，她有了医保。1月3日，她感觉到一阵疼痛。1月6日，她接受了紧急手术。一周前，她说如果没有保险，那次手术就会意味着破产。

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

所以这就是为什么要进行医保改革，这样不幸降临时你就能平常心面对，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.

现在，由于平价医疗法案，300多万26岁以下的年轻人加入了父母的医疗保险计划。

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

900多万美国人已经注册了私人医疗保险或针对穷人的医疗补助计划。

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.

再说一个数字：0。由于这项法案，再也不会有美国人因为哮喘、背痛或癌症这样的已有疾病而享受不到医疗保险。再也不会有女性因为自己的性别而要多支付费用。同时，我们也在继续提供资金支持老年保健医疗计划，保持其保费稳定，并为无数老年人降低处方药成本。