Just one in 10 Americans (11 percent) of the uninsured and 9 percent of the overall population say the Patient Protection and Affordable Care Act has improved their health insurance situation over the past year, according to a new Bankrate.com survey.

In fact, 38 percent of the uninsured said they feel worse about PPACA than they did a year ago (versus 25 percent, who feel more positive). And 36 percent of Americans said their health care costs have increased over the past year. Only 5 percent say they have decreased.

Though results might be premature considering the main provisions of PPACA don't go into effect next year, Bankrate analysts said that it's concerning because the exchanges launched a month ago — a place where consumers can browse and enroll in health plans — and "hundreds of millions of dollars are being spent promoting them."

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