Top 4 Obamacare complaints

By Tami Luhby | 10/21/2013, 4:09 p.m.
Three weeks after the exchanges opened, Americans are still having a tough time signing onto the Obamacare websites. And once ...
Anyone who has signed up to enroll in Obamacare on Healthcare.gov is being told that their password must be reset. Photo courtesy of Healthcare.gov.

"Our technical experts are working very aggressively to fix this well before December 15," Peters said.

Complaint #3: The costs are too high

Some people trolling for insurance on the exchanges are questioning why Obamacare is called the "Affordable" Care Act.

Many who were uninsured before are feeling forced to buy pricey insurance they don't want. Others who had bare-bones individual plans are seeing the premium prices soar because the Obamacare plans are more comprehensive.

One North Carolina reader was upset to learn her current $267 a month plan was being canceled and the cheapest option on the exchange would cost her family $750 a month. They don't qualify for a subsidy.

"Obamacare is a nightmare for my family," she wrote.

Others were surprised to see how high the deductibles and out-of-pocket costs were in some plans. Deductibles for bronze plans, which carry the cheapest monthly charges, can run $5,000 to $6,000.

"This is like a catastrophic plan, said Deb Hornbacher of Colorado. "I am totally shocked and taken aback at how little it did provide at the level I could afford."

For others, however, Obamacare is a godsend. Many, particularly those with pre-existing conditions, weren't eligible or couldn't afford coverage before. Now, they can get insurance since health reform bans insurers from discriminating against those who had been sick.

Many people signing up for coverage are also eligible for federal subsidies, which can greatly reduce the monthly premiums.

Complaint #4: My employer is raising my premiums because of Obamacare

Several readers with employer-sponsored insurance say their premiums are going up for 2014, and blaming Obamacare.

Companies are also changing their plans because of Obamacare. UPS for instance is ending coverage for spouses with access to policies elsewhere, while Trader Joe's and Home Depot are shifting their part-time workers to the exchanges.

It's true that health reform is contributing to higher premiums and plan changes. But Obamacare, which is imposing new fees on companies and insurers starting in 2014, is not the driving factor, experts say. Health care costs are rising because the economy is improving so people are going to the doctor more.

CNN's Dugald McConnell contributed to this report.

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