Still, most are concerned about the future of Medicare. The study found 87 percent are concerned about the future of Medicare and 71 percent believe the federal government will cut back Medicare benefits.  

One in five (22 percent) of middle-income boomers age 47 to 64 are uninsured in our country and are counting on Medicare to be their health care safety net.

With an estimated 10,000 Americans turning age 65 every day and with 85 percent relying on the Medicare system to deliver their health insurance benefits, public opinions on health reform continue to be divided.

More than half of middle-income Americans over the age of 47 do not know if health reform will benefit them, the survey finds. More than one-third (36 percent) say that reform will not benefit someone their age, while only 13 percent believe that reform will be beneficial.

"Medicare has been providing health care benefits to millions of Americans for more than four decades, however, the program now faces its largest test: 78 million baby boomers," says Chris Campbell, vice president of strategic marketing and business development for Bankers Life and Casualty Company, a national life and health insurer. "Middle-income boomers can take steps to mitigate health care risks now through a combination of good health, quality preventive and medical care, an understanding of the Medicare program, and well-informed financial planning."