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If you've got health insurance, you're getting better protections, better benefits. if you don't have health insurance, you're now going to be part of a group plan. and health care costs overall are rising much more slowly than they did before we signed the law. so far, so good. so what's all the fuss about? what is it that these republicans are just so mad about? look, i want to be honest. there are parts of the bill that some folks don't like. to help pay for the program, the wealthiest americans, families who make more than $250,000 a year, will have to pay a little bit more. extremely cost...

And so today, i want to speak plainly, clearly, honestly, about what it means for you and for the people you care about. now, let's start with the fact that even before the affordable care act fully takes effect, about 85% of americans already have health insurance, either through their job or through medicare or through the individual market. so if you're one of these folks, it's reasonable that you might worry whether health care reform is going to create changes that are a problem for you, especially when you're bombarded with all sorts of fearmongering. so the first thing you need to know ...

With more than 50 employees to either provide health insurance for your workers or pay a penalty. now, some folks say well, that's not fair, but if you are an employer, you can afford to provide health insurance, you don't, your employees get sick, they go to the emergency room or they end up on medicaid because you're not doing what you're doing, you should be doing, why is it everybody else should be bearing those costs? there are some folks who disagree with me on this. they say that violates people's liberty, telling them they've got to get health insurance. well, i disagree. so did congre...

You've got -- and they deserve congratulations for that. it wasn't easy for them. but you've got conservative governors in ohio and michigan and pennsylvania, arizona. about eight republican governors in all have decided to expand medicaid through the affordable care act to cover more people in their states. and millions of americans without insurance will get coverage through these programs. so that's what the affordable care act is. that's what all the fuss is about. we're giving more benefits and protections for folks who already have health insurance, and we created a new market, basically...

And most people who can afford health insurance now have to take responsibility to buy health insurance or pay a penalty. now, the reason we do that is when uninsured people who can afford to get health insurance don't, and then they get sick or they get hit by a car, and they show up at the emergency room, who do you think pays for that? you do. in the form of higher premiums, because the hospitals, they've got to get their money back somehow, so if they're treating somebody who doesn't have health insurance, they jack up premiums for everybody who does have health insurance. it's like a hidd...