Experts believe that the steady stream of legislative and judicial actions around the Affordable Care Act (ACA or Obamacare) is probably responsible for most of these concerns.
Last year, the Republican-led Congress attempted to repeal Obamacare without success, but it managed to repeal the individual mandate it penalizes Americans who do not buy health insurance.
On the basis of the repeal of the warrant, a Texas federal judge said in December that the ACA as a whole was unconstitutional.
The ACA is still in effect while the judge's decision is being appealed, and many jurists from all political backgrounds have questioned the validity of the ruling, said Frederick Isasi, executive director of Families USA, a consumer advocacy group.
"His greatest prejudice is to create confusion for families," Isasi said of the ongoing legal battle. "They do not realize that the health insurance and financial security they need are always available."
The decision of President Donald Trump to withdraw almost all funding from Mariners and Medicare Assistants, who had the task of explaining coverage options to American families, also sowed confusion, said Isasi.
"Essentially, by removing all that support, families have a lot more trouble understanding what's available to them," Isasi said.
Things will get even more blurry in the spring, when some states begin to allow the sale of "undesirable insurance" plans under the Trump administration, he added.
These plans charge less bonuses but will do it by offering less coverage. Those who buy them will be surprised to learn that some plans do not contain basic coverage for things like prescription medications or stays in the hospital, said Isasi.
"When these plans start to be sold, families who pay premiums think they have financial protection, and they do not," Isasi said.
Middle-aged people worried may appease some of their fears by becoming savvy consumers in health care, Tipirneni said.
"There may be more affordable options in the market, which requires looking closely at these plans," Tipirneni said. "Weighing these different options may allow them to reduce their overhead costs.Maybe that a plan that does not seem as attractive initially will eventually become the most affordable plan for them."