Most Americans Don't Understand Obamacare After Three Years, Says Study

| by Michael Allen

Obamacare (Affordable Care Act) has been the law of the land for three years, but according to a new study, 61 percent of Americans still do not understand how the law works, despite the millions of taxpayer dollars spent to educate them.

The Urban Institute's Health Reform Monitoring Survey found that most Americans do not understand basic insurance concepts, which may have contributed to the low sign-up rate, in addition to the past problems of the Obamacare website.

The UPI reports that most Americans do not understand at least one of the following terms: premium, deductible, co-payments and coinsurance.

"Confusion around these concepts would make it difficult for consumers to understand trade-offs between different health insurance plans and to choose the plans that best meet their needs," stated the survey authors. "Assisting people as they attempt to enroll in health coverage will require targeted education efforts and staff to support those with low health insurance literacy."

One reason for the profound ignorance of Obamacare was that most people's health insurance information comes from people just like them: friends, co-workers and family members.

Given this disturbing widespread ignorance, it's no surprise that another poll shows that 58 percent of uninsured Americans have not even bothered to register for Obamacare, notes CBS News.

According to a Kaiser Family Foundation poll in April, 40 percent of Americans were unaware that Obamacare was still the law. Many people indicated that they don't favor Obamacare not because they don't agree with the policy, but because they don't understand the law.

ABC News has created a new simple guide to help people understand this law. The question is how many Americans will finally try to educate themselves on Obamacare?

Sources:, UPI, Kaiser Family Foundation, ABC News, CBS News