Here's a potential snag in the success of health reform: Almost two-thirds of uninsured Americans haven't yet decided whether they will purchase health insurance by the Jan. 1 deadline.

That's the finding from InsuranceQuotes.com, which surveyed some 1,000 Americans.

What's behind the indecision? Most uninsureds don't think the Patient Protection and Affordable Care Act will make health care any more affordable. More than three in five uninsured Americans say the main reason they currently lack health insurance today is because they can't afford it.

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