The lowest bronze plan copayment for a doctor was $15 and the highest was $60. For doctor visits where a coinsurance fee is charged instead of a flat fee copayment, the national average is 24 percent. Bronze plans that charge coinsurance averaged 27 percent, an increase of 13 percent.

HealthPocket researchers also cautioned there will be significant increases in average plan deductibles as changes are coming to how deductibles work for doctor visits.

In the pre-reform market, 37 percent of health plans include doctor visits as part of the deductible. For the new bronze plan filings, 84 percent had doctor visits subject to the deductible. For bronze plan consumers this means they're likely to be charged the full amount for some doctor visits until they have met their plans' deductible.

“We know that consumers' No. 1 concern about health insurance is what they will have to pay for it,” said Kev Coleman, head of research and data at HealthPocket. “People shopping for insurance need to worry about two things: the cost of their monthly premium and what out-of-pocket costs they face. By considering both factors together rather than in isolation from one another, consumers can make the best financial decision for their health care.”

Bronze plans are expected to be the most popular plan among cost-conscious consumers as it's the least expensive level health plan.

A previous survey from HealthPocket found that most consumers don't understand the most fundamental change to health plan designs under health reform. When respondents were asked how the new PPACA bronze, silver, gold and platinum health plans differ from one another, 86 percent said they didn't know.

PPACA creates four basic health plan designs—bronze, silver, gold and platinum—to replace existing health plans and address the needs of most plan shoppers who aren't enrolled in a grandfathered health plan, Medicaid or Medicare.