Survey says more than two-thirds of uninsured Americans are not sure they will meet the Jan. 1, 2014 deadline to buy health insurance.

According to insurancequotes.com a survey of some 1,001 Americans revealed uncertainty and an apparent unwillingness to sign up for coverage. This could spell BIG problems for the program. Obamacare (The Affordable Care Act) depends on healthy people joining the program either through state insurance exchanges or finding other forms of insurance to offset the high cost of paying for the services and benefits of the unhealthy.

But it is not enough if healthy people join; the insurance companies and providers will be on the hook for the program costs. Less than 50 percent of people surveyed believe they will be able to obtain necessary care under the program, and only 26 percent believe insurance costs will actually go down under the plan.

In case you've been living in a cave, the IRS-enforced mandates kick in Jan. 1 of next year. If you don't have health insurance by then, you will face penalties of up to $285 per family, or up to 1 percent of the total family income, whichever is greater. According to a CNBC report:

That system is predicated on the theory that enough healthy people will enroll and buy insurance so that their premiums will offset the costs of benefits for less healthy people in the same plan. If not enough healthy people sign up, insurers will be on the hook for the benefit payouts regardless, cutting into, or erasing their profits."

This is due mostly to confusion and lack of information about the complicated plan. That confusion is causing most people to put off the decision.