Health insurance rates could be getting larger, as healthcare costs are on the rise, according to the S&P Healthcare Economic Composite Index.

Overall healthcare costs for commercial insurance and Medicare rose by 5.28 percent year-over-year during December. The Commercial Index increased 7.11 percent compared to the same point in 2010, while Medicare rates increased by 2.51 percent. The Hospital and Professional Services Indices increased 4.99 and 5.34 percent, respectively.

"After November's deceleration, healthcare costs annual growth rates bounced back in December," said David Blitzer, chairman of the index committee at S&P Indices. "Since the end of the summer we have generally seen increasing annual growth rates, particularly with healthcare costs covered by commercial plans.

Those who have a public plan and are not satisfied with the high costs may want to look into affordable health insurance rates. There could be a cheaper option that fits a person's needs, and by going online and comparing health insurance quotes, a consumer could find what they are looking for.

A recent survey completed by Harris Interactive for the American Psychological Association showed that while 93 percent of Americans attempted to improve their lives last year, many failed due to a lack of willpower.

The survey, which is part of the APA's "Stress in America" poll, showed that 50 percent of consumers wanted to eat healthier, and another four in 10 wanted to exercise on a regular basis. However, 26 percent said they didn't have the time, and another 27 percent said they didn't possess the willpower. Despite those statistics, more than seven in 10 noted that willpower can be learned.

"It is reassuring to know that even though people view a lack of willpower as a hurdle in their quest to live healthier lives, they believe they can learn the skills they need to change their lifestyles," said Dr. Norman Anderson, APA's chief executive officer and executive vice president.

Consumers may be able to supplement their efforts to better themselves by consulting with a doctor. However, if they do not have one, it could be a good idea to compare affordable health insurance quotes.