Whiteman said people whose household income was less than $30,000 annually were more likely to say they would return to the Obamacare exchanges. About 53 percent of respondents in that income tier gave that answer.
The least likely to return were people in households earning more than $75,000 annually, with just 35 percent saying they'd log on this year to the exchanges and shop for insurance.
Those responses, Whiteman said, reflect the fact that federal subsidies that help Obamacare enrollees pay their premiums are greatest for lower-income people. Those subsidies decrease in value the higher a person's household income goes—so individuals earning more than $46,680, or households of four people earning more than $95,400 do not get any assistance.
Bankate's survey comes about two weeks after another survey, by the Kaiser Family Foundation, found that a whopping 9 out of every 10 adult American without insurance was unaware of the fact that open enrollment begins this month. And two-thirds of the uninsured respondents said they know "only a little" or "nothing at all" about the Obamacare insurance exchanges.
The Obamacare exchanges launched last fall and sold health plans that were effective in 2014, the first year that the Affordable Care Act required people to have some form of health coverage, or pay a fine.
Although the exchanges ended up enrolling more than 8 million people, the first two months of HealthCare.gov and several other state markets were a technological disaster, leaving them unable to sign up significant numbers of customers.
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Slightly more than half of the Bankrate respondents, 52 percent, said they had a good experience on the exchange, while 43 percent said it was bad, including 27 percent who said it was "very bad."
Just 53 percent of respondents said they are either very or somewhat confident the the exchanges will work properly this coming year, while 45 percent were either not very or not at all confident of that.
Another 43 percent of people Bankrate's survey said their number one concern about the upcoming open enrollment period was "much higher prices for health plans."
Another 26 percent were most concerned about too many people remaining without health insurance, and 21 percent said their biggest worry was more technical problems on the insurance websites.
-By CNBC's Dan Mangan