Obamacare: Whose health insurance costs will increase?

(CBS News) Millions of Americans complain that the Affordable Care Act is forcing them to pay more for health insurance, yet White House officials say Americans will only pay an average of $328 a month for middle-level coverage.

CBS News business analyst Jill Schlesinger told the "CBS This Morning" co-hosts that how much a person will pay for health care coverage really depends on their life circumstances.

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"It varies on how much you make right now, where you live and what type of insurance you choose," she said. "The pricing is all over the place from state to state and ... that average is sort of a silly number because so many people are paying above or below that."

However, Schlesinger explained that while most people will not have to pay more because of this law, a small percentage will. She said that 38 percent of people who are uninsured will fall into a category where they will be eligible for Medicaid and another 52 percent should qualify for subsidies from the government.

Schlesinger said that people in the 10 percent of the uninsured population who makes more money than the amount to qualify for a subsidy are those who will get hit with much higher prices.

"For example, this is a family of four that makes more than $94,200," she said. "Those people are going to pay more for insurance across the country."

Schlesinger also explained that some people who are insured with very basic coverage will end up paying more because they will need to purchase a more comprehensive plan.

"Many insurance companies for years have been able to offer these very interesting kinds of insurance plans that say 'You're going to pay a huge deductible. You've got bare-bones coverage. If something really bad happens, we'll cover you, but we're not covering your doctors visits,'" she said. "Under the Affordable Care Act there is a minimum level of coverage that needs to be offered."

Schlesinger explained that requiring a minimum level of coverage left many insurance companies saying that in order to meet the requirements, they would need to raise prices and cancel those bare-bones plans, but that doesn't necessarily mean they will be making a lot of money off of these changes.

"There's going to be a huge risk for these companies because unless you can cherry-pick young, healthy people to be part of your insurance plans, you're going to have huge risks," she said. "Remember, you have no discrimination based on whether you're a man or a woman or existing conditions."

She also said that there's a huge risk that young, healthy people will not sign up for these plans, and she said if they don't, based on her conversations with actuaries, there's a big chance that the law will not be successful.

"If they don't [sign up] there's a huge risk that this plan goes down the tubes," she said.

For Jill Schlesinger 's full interview, watch the video in the player above.