My name is Carol -- I'm huge day to share with you it profound effect the court -- care act has had a my family. Two children have been rare disease. And -- -- lead based on the challenges. That -- with health issues -- -- -- As my children approached young adulthood. Another challenge doesn't. My children -- going to engage and our family health insurance plan. They're preexisting condition made the insurance market under -- part of and an approachable. We looking at some very devastating options -- vehemently. He Affordable Care Act has -- -- absence. My oldest son has been able to stand -- insurance. And -- his feet under him after graduating from college. And with my younger son I don't have any insurance concerns. As a family I had to say we've had a huge -- that did. Now my children's future won't be determined by constant -- -- -- health care. Now their future is entirely up to them. And now it's my pleasure to introduce president -- Everybody welcome to the White House. I want think Carol war. The wonderful introduction. And let me just start -- where -- public service announcement to dance partners kids of America. Sunday -- Mother's Day. You shouldn't have to forget. You can't go wrong with flowers. A homemade card. Given some -- Giving mom some relief. Some quiet time that is appreciated. And so it's a day when we. Put mom's first. And I storm -- one time -- I said Michelle. Back room when it just governor -- I -- Malia had just been born. We -- fussing around Mother's -- and as a -- we do so much stuff on Mother's Day she says because. Every others -- -- man today. So this is like one day. Embarrassment -- as usual profound insight and in Michelle's remarks because. Your mom's so often put themselves last. So often they put everything else before themselves. And that's particularly true when it comes to things like health care. Moms take care of us. -- -- city. Sick kids aging parents. Grumpy husbands. And I know there -- a lot of moms out there who often. Go without secure -- -- -- -- the check ups they know they should get. Because they're worried about back okay that has to go to gas or -- freeze or the new soccer uniform instead. Or worse they know of in fairness of being charged more for the health care just because -- woman. Or distress. Trying to manage a family budget -- and health care costs are hinging on. Or trying to in -- a sick child. Only to be told dole over and over again. So we decided that needed to change in -- country as wealthy as this one. There was no reason. Why -- family's security should be determined. The chance of an illness or next. -- do something about. Banks took root. Women in this room and people all across the country. We worked really hard and it's now been more than three years since congress passed the Affordable Care Act and I signed -- Google. It's been nearly -- -- since the Supreme Court upheld the law under the constitution. And by the -- six months ago the American people went to the polls and decided. To keep going in this direction civil law -- -- And those of us who believe that every American deserves access to quality affordable health care. -- have an obligation to now make sure that full implementation. Moves for the way it needs to. Basically there to whom. Main things. That the American people need to know about this long what it means. First. If you're one of the nearly 85%. Of Americans. Who already have health insurance whether -- through your employer or Medicare or Medicaid. You don't have to do with what. This law already provides you with a wide array of new benefits. Tough new consumer protections. Stronger cost control measures. Band existed before the law passed. And most things started in place. You're benefiting from -- just may not know. Making sure that insurers. Can't take advantage up. Being sure -- -- your child can stay on here health insurance. Until. -- 47 years old. So a lot of those provisions are -- in place providing help and assistance to people all across the country. -- second. If you're one of the tens of millions who don't have health insurance. Beginning this fall. You'll finally be able to compare and buy quality affordable private plans that work for you. And that's what you may know what you -- got health insurance. This is just enhanced. And if you don't -- really got it. For three years now this law has provided real and tangible benefits to millions of Americans. Women in particular now have more control over their own care than ever before. And I'm pleased to be joined today by many women. Who wrote in to tell us what -- Affordable Care Act means to them. Her America told us my oldest child is point to recent college bread. A traumatic brain injury survivor. With a rare genetic lung disease without the Affordable Care Act he wouldn't. Have been removed from our family health insurance policy this year. His health is excellent but the cost of maintenance is overwhelming. And given his history he'd be virtually uncontrollable under the old set of rules. Percent of contemplating this law school all of those resources would have been channeled. It's -- somehow somewhere finding health insurance that's what Carroll wrote. So Carol Ander son Justin or -- -- -- -- lets young people stay on their parents' plan until they turn 26. And today she put it now Justin's future is governed. By what he wants to achieve not what health insurance mandates the mother we're just here fine looking young man. -- as mothers that. Make sure you remember them. Only shows the mother -- Who is a beautiful suite three year old girl who also happens to have leukemia. Imagine what that's like prepare. Well you're just figuring out out take care for -- got to figure out -- you're gonna pay for expensive treatment that could save your baby's life. Any parent knows that there's nothing we won't do to take care of our kids. That's nice to have somebody -- your back and that's why -- Affordable Care Act. Made it illegal for bad actors in the insurance industry to discriminate against kids like navy and today he's doing just great she was here just a site -- where. Maybe that's -- -- Alicia road and she said the health care laws about people like me. It's a -- a care. The Affordable Care -- Insurance companies can no longer impose lifetime limits on the amount of carrier receipt. Or drop your coverage if you get sick. Or discriminate against children with preexisting conditions. And women now have access to -- free preventive care. Like checkups and mammograms and cancer screenings so you can catch preventable illness on the front it. And that provisions -- helped more than seventy million Americans with private insurance. That's already happening. Lot of people don't know what. You've got those protections. Because -- Affordable Care Act young adults under the age 46 as we talked about are able to stay on their parents help. Insurance plan and that's are -- helping more than six million young adults. Because -- Affordable Care Act seniors on Medicare receive free checkups -- for Medicare would no co pay or deductible. And get a discount on their prescription drugs that has already saved over six million seniors more than 700 dollars each. That's already been happening. Two years may not know that they've been getting 600 dollar discounts. But it's there. Becoming Affordable Care Act insurers now have to justify. Double digit rate increases publicly. For everybody to -- and most states have new authority. Thanks to incentives under this law to reject unjustifiable rate increases. Insurers are now required to spend at least 80% of the money you pay in premiums. On actual health -- not on profits not off. Overhead but on you. And if they failed to -- that's our target they actually have to reimburse you either -- -- rebate or lower premiums. Millions of Americans discover this last year they open up an envelope from their insurance company that wasn't bail it was Jack. That's already happened. Why people don't know what could. But that's what's. That's what -- affordable care it's all about. Beginning this week as part of -- -- price transparency tools. We made public the prices the different hospitals charge you for most common services. To conceal. If you're getting what you pay for. And so bad actors in the insurance industry will never again be able to discriminate you. Discriminating against him just because you've gotten sick in the past. -- And by the way they can't charge you more just for being a woman. Pregnancy will no longer be considered a pre existing commission. And finally beginning this fall if you're one of the millions of Americans who don't have health insurance you'll finally have that chance. To buying quality. Affordable care dislike -- nobody else. So here's -- this is gonna work were setting up a new online marketplace. Where beginning October 1. You can. Go on line. Or talked. Organizations in every state that are gonna have the setup. And you -- comparison shop. -- array of private health insurance plans you can look at them side by side -- -- goal online and compare cars. And because you'll now be part of a new pool of millions of other Americans. Part of this exchange. Insurance companies will actually want to compete for your business the same way compete for the business of big company with a lot of employees. So once these marketplaces are up and running up no one can be turned away from private insurance plans. If you're sick. You'll finally have this same chance to buy quality affordable health care as their body else. If you can't afford to buy private insurance. If it's still too expensive even though you're getting much better prices through these exchanges -- you would. In the individual market going up there by yourself for if you work for just a small company that doesn't have a lot of leverage when insurance companies. -- you're gonna have a better deal through these exchanges but if you still can't afford. Then you're gonna get help in reducing your out of pocket premiums. With the largest health care tax cut for working families and small businesses in our history. What does all this -- that means that if you lose your job. Or you change your job. When you start that new business. You'll still be able to purchase -- -- affordable health care. -- chores. And you'll have the security and peace of mind that comes with. If you're young person expecting to -- many different jobs and careers until you find want that suits you. You'll be held by insurance -- with -- travels with you -- gives you the freedom to pursue. Whatever you want without the fear that illness or accident somehow. So there's a lot. -- this -- -- already doing for Americans with insurance. And there is lot more that is gonna happen for folks who don't have insurance. We've still got a lot of work to do. In the coming months to make sure more Americans can buy affordable coverage. And with something as personal as health care are realized -- people were anxious people were nervous making sure that we get this done right. So I'm here to tell -- that I am a 110%. Committed. To getting it done right. It's uneasy ever take. But authorities they would have bargained -- long time ago. Undoubtedly there'll be some mistakes and -- ups is the thing gets started up. But world learning already from for example when when the prototype -- -- application to join the marketplace came in. At 21. Pages the initial first cut. We so you know what we can do better. It's now three pages all. Three pages by the way the industry standard. Is actually about seventeen pages. So. -- -- -- That's lot shorter than the application you generally have to fill out now. For private insurance. This is going to be a lot of work. And obviously there's still a lot of political bickering over this -- The same folks who fought through the -- for years ago and tried to make political hay out of obamacare. They are still telling tall tales about its impact. Some small businesses are being told their costs are gonna go up. Even though there are exempted from the law or -- they actually stand to benefit from. And whatever insurance premiums go up you're being told it's because Obama care. Even though there's no evidence that that's the case so right now they're -- much folks out there. Their insurance company. Decided to Jack up rates. And they're automatically assuming -- somehow the -- I'm doing now. And -- with the insurance insurance a decision insurance government in some cases employers may be shifting more costs in palm employees. Because they think they'll help their bottom line -- it's convenient to somehow say well must be the new law. It's not the case. Precisely because there's been so much misinformation. Sometimes people may not have a sense what the law actually does. And then this information won't continue. At least through the next election. But what all people on the stage understand it. Is this is too important for political games. Most moms and dads don't think about politics when their kid gets it. -- thinking about. Doing whatever text picture that crowd. This is an issue of personal security doesn't this personal to Carol and a -- And anybody who's ever -- the injustice and anxiety of a broken health care system that's what this is about that's why we all sort of make this happen. And that's why we're determined. To get it done right. And we're gonna need everybody out there to make sure you get the right information. -- don't just. Read. Blog. Or -- You -- some. Commentary. From some pundit. -- as a political agenda make sure you know what actual facts are. Because you stand to benefit if you're not -- benefiting from the -- don't want people -- -- Don't let him run the Okie -- -- For. They'll be mammals and there's one more person I want to mention here today. Somebody who outspoken several times over the past few years when I first received a letter from the Potomac can't -- She was a self employed cancer survivor from Ohio. She's always done the responsible thing by buying -- insurance on the private market even those very expenses. A few years ago -- insurance company charts for over 6000 dollars in premiums. Paid for only 900 dollars worth -- care. Told her -- Jack up her rates another 40%. Anyway even -- been cancer free for more than a decade. Despite her desire to -- health insurance. Despite worked for years that she would get sick again. She finally just had to surrender -- coverage. Go to fort. Hunter fortunes on chance. And just a few weeks later she fell ill and was diagnosed with leukemia. Just days before Health Care Reform became a reality. I can't tell the story -- be as we fought pass this law and I hunger letter. On one my walls and in the Oval Office. Washing could be there the day I signed the Affordable Care Act in law Potomac is here today. And because of this law the -- in the -- right here ever been around. Because of this law there are millions of other Americans. Moms and dads and daughters and sons who no longer have to hang their fortunes on chance. Because we are not going to -- like that hardship on the American people again. United States of America does not sentences people to suffering just because they don't make enough to buy. Insurance on the private market. Just because. It's become a false sector suffer an accident that could -- anybody. Regular access to a doctor or -- or preventive care that's not. Some earned privilege it is a right. -- -- I understand the politics of this stuff sometimes but. But there are times where I just want people to step back and say. Are you really. Prepared to say the thirty million Americans out -- shouldn't have health insurance. Are you really prepared to say that's not. A worthy goal. Because politics. That's what we're gonna keep fighting with everything we've got. To secure that right to make sure that every American gets the care that they need when they needed at a price that they can afford that's what our families -- that's what. The vast majority of Americans believe it that's what we're gonna make sure that we deliver and -- -- with your help thank you very much --