(Reuters) - Americans will pay an average premium of $328 monthly for a mid-tier health insurance plan when the Obamacare health exchanges open for enrollment next week, and most will qualify for government subsidies to lower that price, the federal government said on Wednesday. The figure, based on data for approved insurance plans in 48 states, is the broadest national estimate for the cost of coverage when President Barack Obama's healthcare reform law takes full effect next year. The prices of the new plans are at the heart of a political debate over whether they will be affordable enough to attract millions of uninsured Americans when enrollment begins on October 1.