So why should this year be any different? That's the question on the minds of Americans when it comes to the 2015 open enrollment after the tumultuous rollout of the exchanges last fall.

According to a new Bankrate.com report, most Americans (56 percent) aren't confident the health exchanges under the Patient Protection and Affordable Care Act will operate smoothly during this fall's enrollment, set to begin Nov. 15.

Specifically, 32 percent said they're "not at all confident" (the most common response) and another 24 percent are "not too confident."

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