A report from the Consumer Watchdog Campaign noted that insurance rates for consumers may be too high for many to afford, which shows a need to slow the increases in costs.

The report, which cited statistics from the Centers for Disease Control, found that approximately 16 percent of consumers with private health insurance plans had difficulty paying down bills, while another 6 percent were not able to pay their expenses at all. The campaign hopes to get a ballot initiative created by November to force insurance companies to justify rate increases. This is a practice that is common in many other states.

"When one in five Americans are in medical debt it's clear that we're not doing enough to make health insurance affordable," said Carmen Balber with the Consumer Watchdog Campaign. "Soon, federal law will require every American to have insurance, but nothing controls what health insurers can charge."

Consumers who are struggling to pay medical bills, or think that they won't be able to afford their current plan, may benefit from considering other affordable health insurance rates. There are many health insurance quotes available that may be form-fit to a person's needs.