The Patient Protection and Affordable Care Act is returning to the masses Nov. 15 when open enrollment begins — but most previous participants aren't super excited about it. In fact, the majority of them are planning to bail on the exchanges.

A new survey from Bankrate finds that 51 percent of those who used HealthCare.gov or PPACA's state exchanges during the law's initial enrollment period don't plan on using them again during the new enrollment season, citing technology and cost concerns. That's compared to 43 percent who say they will return to the exchanges.

"Households that have already used the health exchanges are just as leery about the new enrollment season as the general public and share the concerns about higher insurance rates and glitchy websites," said Bankrate.com insurance analyst Doug Whiteman.

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