WASHINGTON (AP) — Americans who already have health insurance are blaming President Barack Obama’s health care overhaul for their rising premiums and deductibles, and overall 3 in 4 say the rollout of coverage for the uninsured has gone poorly.


An Associated Press-GfK poll finds that health care remains politically charged going into next year’s congressional elections. Keeping the refurbished website running smoothly is just one of Obama’s challenges, maybe not the biggest.

The poll found a striking level of unease about the law among people who have health insurance and aren’t looking for government help. Those are the 85 percent of Americans who the White House says don’t have to be worried about the president’s historic push to expand coverage for the uninsured.

In the survey, nearly half of those with job-based or other private coverage say their policies will be changing next year — mostly for the worse. Nearly 4 in 5 (77 percent) blame the changes on the Affordable Care Act, even though the trend toward leaner coverage predates the law’s passage.

Sixty-nine percent say their premiums will be going up, while 59 percent say annual deductibles or copayments are increasing.

Only 21 percent of those with private coverage said their plan is expanding to cover more types of medical care, though coverage of preventive care at no charge to the patient has been required by the law for the past couple of years.

Fourteen percent said coverage for spouses is being restricted or eliminated, and 11 percent said their plan is being discontinued.

“Rightly or wrongly, people with private insurance looking at next year are really worried about what is going to happen,” said Robert Blendon, a professor at the Harvard School of Public Health, who tracks public opinion on health care issues. “The website is not the whole story.”

Employers trying to control their health insurance bills have been shifting costs to workers for years, but now those changes are blamed increasingly on “Obamacare” instead of the economy or insurance companies.

Political leanings seemed to affect perceptions of eroding coverage, with larger majorities of Republicans and independents saying their coverage will be affected.

The White House had hoped that the Oct. 1 launch of open enrollment season for the uninsured would become a teaching moment, a showcase of the president’s philosophy that government can help smooth out the rough edges of life in the modern economy for working people.

Instead the dysfunctional website became a parable for Republicans and others skeptical of government.

At the same time, a cresting wave of cancellation notices hit millions who buy their policy directly from an insurer. That undercut one of Obama’s central promises — that you can keep the coverage you have if you like it. The White House never clearly communicated the many caveats to that promise.

Disapproval of Obama’s handling of health care topped 60 percent in the poll.

With the website working better and enrollments picking up, Democrats are hoping negative impressions will quickly fade in the rearview mirror. The poll found that Democrats still have an edge over Republicans, by 32 percent to 22 percent, when it comes to whom the public trusts to handle health care.

But other potential bumps are just ahead for Obama’s law.

It’s unclear whether everyone who wants and needs coverage by Jan. 1 will be able to get it through the new online insurance markets. Some people who have to switch plans because their policies were cancelled may find that their new insurance covers different drugs, or that they have to look for other doctors.

In the poll, taken just after the revamped federal website was unveiled, 11 percent of Americans said they or someone in their household had tried to sign up for health insurance in the new marketplaces.

Sixty-two percent of those said they or the person in their household ran into problems. About one-fourth of all who tried managed to enroll. Half said they were not able to buy insurance, and the remaining quarter said they weren’t sure.

Phyllis Dessel, 63, of Reading, Pa., believes she is finally enrolled after 50 attempts online. The retired social worker, a political independent, currently has her own private insurance.

When Dessel described her experience, she jokingly asked, “Do you mind if I cry?”

Thanks to tax credits available under the law, she was able to save about $100 a month on her coverage. But she had to switch carriers because a plan with her current insurer cost more than she was willing to pay. She hasn’t gotten an invoice yet from her new insurance company.

The premiums were “not at all” what she expected, said Dessel. “They were much, much higher.”

A supporter of Obama’s overhaul, she believes changes are needed to make the coverage more affordable.

“I think with a lot of amendments or updates, it could be very, very helpful and beneficial,” said Dessel. “I know a lot of people who don’t have insurance. My hairdresser, my plumber don’t have insurance and they’re not going to get it if it’s not affordable.”

The AP-GfK Poll was conducted Dec. 5-9 and involved online interviews with 1,367 adults. The survey has a margin of sampling error of plus or minus 3.5 percentage points for all respondents.

The survey was conducted using KnowledgePanel, a probability-based Internet panel designed to be representative of the U.S. population. Respondents to the survey were first selected randomly using phone or mail survey methods, and were later interviewed online. People selected for KnowledgePanel who didn’t otherwise have access to the Internet were provided with the ability to access the Internet at no cost to them.


AP News Survey Specialist Dennis Junius and Associated Press writer Stacy A. Anderson contributed to this report.

AP-GfK Poll: Clerks must issue gay marriage licenses
WASHINGTON (AP) — Linda Massey opposes gay marriage. But she was incensed last summer to see that Kim Davis, a Kentucky county clerk, was refusing to issue marriage licenses to gay couples.

“If the government says you have to give out those marriage licenses, and you get paid to do it, you do it,” says the 64-year-old retiree from Lewiston, Michigan. “That woman,” she said of Davis, “should be out of a job.”

Americans like Massey are at the heart of a shift in public opinion, an Associated Press-GfK poll has found. For the first time, most Americans expect government officials to issue marriage licenses to same-sex couples, even over religious objections.

It’s partly a matter of expecting public servants to do their jobs. But more broadly, the issue touches on a familiar dispute over which constitutional value trumps which: religious freedom, or equality under the law?

The question in recent months has entangled leaders with political sway, among them Pope Francis and the 2016 presidential contenders. But it’s not a new conflict for a nation that has long wrestled with the separation of church and state.

Where Davis’s answer was the First Amendment’s protection of religious freedom — and she served jail time to back it up — a majority of respondents don’t buy that argument when it comes to public officials issuing marriage licenses. That’s a shift since an AP-GfK survey in July, when Americans were about evenly split. Then, 49 percent said officials with religious objections should be exempt from issuing marriage licenses to same-sex couples and 47 percent said they should be required to issue them.

Now, just 41 percent favor an exemption and 56 percent think they should be required to issue the licenses.

That shift was especially stark among Republicans. A majority of them —58 percent — still favor religious exemptions for officials issuing marriage licenses, but that’s down 14 points since 72 percent said so in July.

The timing of the surveys is important, coming during rapid developments in the politics of gay rights and religious freedom.

Public opinion has favored same-sex marriage in recent years and some politicians — President Barack Obama, 2016 presidential contender Hillary Rodham Clinton and some members of Congress among them — have come around to that view. In June, the Supreme Court effectively legalized gay marriage nationwide.

The cultural change has influenced the governing bodies of some of the most conservative religions, including the Catholic Church under Pope Francis and the Mormon Church, which last week called for compromises between protecting religious liberties and prohibiting discrimination. Both institutions are trying to accommodate society’s shifting views while keeping a firm grip internally on their own doctrines against gay marriage and homosexual activity. And both churches steered clear of the appearance of backing Davis. The Vatican said the pope’s brief meeting with her in Washington should not be construed as a sign of support.

Mormon leader Dallin H. Oaks last week told a closed gathering of judges and clergy in Sacramento, California, that when conflicts between religion and law rise and are decided, citizens of a democracy must follow court rulings.

Davis, a Democrat, Apostolic Christian and clerk of Rowan County, Kentucky, became the face of religious Americans who bristle at government requirements that conflict with their beliefs, whether those mandates cover gay marriage, contraception or abortion referrals. On June 27 — the day after the high court ruling — Davis refused to issue same-sex marriage licenses. In September she spent five days in jail for defying a court order to issue the licenses. Affixing her name to the certificate, she wrote in a statement, “would violate my conscience.” After serving her jail sentence, Davis returned to work — but her name no longer appears on marriage licenses for gay couples.

Nick Hawks, a business consultant in Ararat, North Carolina, agrees with Davis.

“We’ve got to decide at some point who’s going to be protected first,” said the father of three boys, 50, who says he’s a Republican-leaning independent. “It doesn’t seem quite fair” to allow a minority such as gay people to “control the policy.”

More generally, the poll offers evidence that Americans remain slightly more likely to say that it’s more important for the government to protect religious liberties than the rights of gays and lesbians when the two come into conflict, 51 percent to 45 percent. But that, too, is a slight shift since July, when 56 percent said it’s more important to protect religious liberties.


The AP-GfK Poll of 1,027 adults was conducted online Oct. 15 to Oct. 19, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 3.3 percentage points.

Respondents were first selected randomly using telephone or mail survey methods, and later interviewed online. People selected for KnowledgePanel who didn’t otherwise have access to the Internet were provided access at no cost to them.



Poll results:

AP-GfK Poll: Americans still feeling economic gloom

WASHINGTON (AP) — Americans are more likely than they were a year ago to have positive views of the nation’s economy, but they’re still feeling more pessimism than optimism, according to a new Associated Press-GfK poll conducted ahead of CNBC’s GOP primary debate on Wednesday.

The candidates will attempt to impress Republicans in particular, who the poll finds feel much gloomier about the economy than Democrats.

Here are some things to know about opinions on the economy from the latest AP-GfK poll:



A majority of Americans — 54 percent — say the nation’s economy is poor, the new poll shows. Just 45 percent call it good. Still, views of the economy are slightly rosier than they were over the summer, when a July AP-GfK poll found 41 percent of Americans described the economy as good, and more positive than they were a year ago, when just 38 percent said so.

Half of men, but just 4 in 10 women, describe the economy as good.

Americans are even less likely to see the nation heading in a positive direction overall. Just 36 percent think the country is heading in the right direction, while 63 percent think it’s headed in the wrong direction.

More than 8 in 10 Americans in the new poll described the economy as an extremely or very important issue, down slightly since July. Still, the economy rates higher in importance than any other issue in the poll.



The candidates will aim their messages at a Republican Party that has a particularly negative view of the economy.

While 65 percent of Democrats describe the economy as good, just 29 percent of Republicans say the same. Seven in 10 Republicans say the economy is poor, including more than 8 in 10 GOP supporters of the tea party. Eight-five percent of Republicans say the country is heading in the wrong direction.

Independents, too, are unhappy with the economy, with 33 percent seeing it as good and 62 percent poor.



Few Americans — just 17 percent — think the economy has improved over the past month, while 21 percent think it has gotten worse and the bulk — 60 percent — think it’s stayed about the same.

Most Americans don’t expect to see improvement in either the nation’s economy or their own financial situations in the next year, either.

Thirty-one percent say they expect the general economic situation to get better, 32 percent expect it to get worse, and 34 percent expect it to stay about the same. Likewise, 29 percent expect their household financial situation to get better, 25 percent expect it to get worse, and 44 percent expect it to stay the same.

Republicans are more likely than Democrats to say the economy has gotten worse in the last month, 31 percent to 13 percent. Democrats are more likely than Republicans to expect it to get better in the next year, 40 percent to 21 percent.



Whichever GOP candidate emerges victorious in next year’s presidential primaries will need to convince Americans that the party can do a better job than Democrats at handling economic issues.

Americans are slightly more likely to say they trust Democrats than Republicans more on handling the economy, 29 percent to 24 percent, the poll shows.

But neither party’s a clear winner on the issue — 15 percent say they trust both equally and 30 percent say they trust neither party.

Republicans are more likely than Democrats to say they trust neither party, 29 percent to 17 percent. A majority of independents — 55 percent — don’t trust either party.



Americans are slightly more likely to disapprove than approve of President Barack Obama’s handling of the economy, 52 percent to 46 percent, according to the new poll. But that’s an apparent rise in his approval rating on the issue since July, when just 42 percent said they approved.

Americans’ rating of Obama on the economy is nearly identical to how they feel about how he’s handling his job overall, with 46 percent approving and 52 percent disapproving.


The AP-GfK Poll of 1,027 adults was conducted online from Oct. 15 to 19. The sample was drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 3.3 percentage points.

Respondents were selected randomly using telephone or mail survey methods and interviewed online. People selected for KnowledgePanel without Internet access were provided it for free.



Poll results: