Retiring early because of ACA? Not so fast...

That early retirement to Florida you were hoping to take because of Obamacare's benefits? You might want to reconsider that.

A new survey from MoneyRates.com found that a third of workers expect to delay their retirement for as much as five years or more because of higher health-care costs they expect will arise from health-care reform.

Of those workers, a whopping 70 percent think they'll have to spend at least three more years on the job as a result, including the nearly 40 percent who expect to toil away for at least another five years, the survey found.

Pascal Broze | Onoky | Getty Images

Just 17 percent of workers surveyed expected to be able to retire early because of lower costs they expect will come from the Affordable Care Act, according to MoneyRates, which had polled 2,000 people.

A total of 71 percent of those optimists expect they will be ready to retire earlier by three years or less as a result—while just 8 percent predicted they will be ready to retire five years or more earlier than originally expected.

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The ACA-fueled retirement optimists were the smallest group of respondents in the MoneyRates.com survey.

Twenty-five percent of the workers felt Obamacare would not affect their retirement plans, and another 25 percent weren't sure, the survey found.

"It's too early to tell whether Obamacare will actually delay people's retirements," said Richard Barrington, a senior financial analyst at MoneyRates.com. "But what's clear at this point is that the program has created a lot of concern about health-care costs as a burden on workers and retirees."

"The debate over the program has created a certain amount of fear, and this survey measures the degree of that fear," Barrington wrote in a blog post about the survey.

Battling higher health care costs

The survey comes several months after the Congressional Budget Office generated headlines, and renewed political debate, when it updated its estimate of how Obamacare would affect employment levels.

The CBO estimated that the Affordable Care Act would lead to a total reduction in net hours worked nationally by between 1.5 percent and 2 percent during the years from 2017 to 2024. That represents a decrease in the number of full-time equivalent workers by about 2 million in 2017, and about 2.5 million in 2024, CBO said.

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The CBO said the reductions "almost entirely" would be due to people voluntarily opting to work less, "given the new taxes and other incentives they will face and the financial benefits some will receive."

CBO also said "the largest declines in labor supply will probably occur among lower-wage workers."

Obamacare proponents heralded the CBO's report as good news, arguing that it showed how the ACA enabled people to work less as a result of reducing so-called "job lock," which discourages people from retiring early or leaving their jobs to work freelance because of a dependence on employer-provided health insurance.

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Obamacare provides subsidies to low- and moderate-income people to help pay for individual health plans bought on government-run exchanges, and has also expanded Medicaid eligibility in about half of U.S. states to include most poor adults.

But Obamacare opponents said the CBO report bolstered their arguments that the ACA will be a job killer. Those opponents also have claimed that Obamacare will lead to higher health-care costs overall, including increased premiums and out-of-pocket costs.

—By CNBC's Dan Mangan