For others, however, the ACA is a godsend. Many, particularly those with pre-existing conditions, weren't eligible or couldn't afford coverage before. Now, they can get insurance since health reform bans insurers from discriminating against those who had been sick.
Many people signing up for coverage are also eligible for federal subsidies, which can greatly reduce the monthly premiums.
Complaint #4: My employer is raising my premiums because of the health care law
Several readers with employer-sponsored insurance say their premiums are going up for 2014, and blaming the health care law.
Companies are also changing their plans because of the ACA. UPS for instance is ending coverage for spouses with access to policies elsewhere, while Trader Joe's and Home Depot are shifting their part-time workers to the exchanges.
It's true that health reform is contributing to higher premiums and plan changes. But the health care law, which is imposing new fees on companies and insurers starting in 2014, is not the driving factor, experts say. Health care costs are rising because the economy is improving so people are going to the doctor more.
CNN's Dugald McConnell contributed to this report.