Total costs for health care services, including everything from doctor visits and prescription drugs to surgeries, are expected to rise 6.5% in 2014, when the Affordable Care Act fully kicks in, according to a report released Tuesday.

While costs are rising faster than inflation, the projected increase pales in comparison to the double-digit spikes seen in the early 2000s. It's also slightly less than the 7.5% increase PwC estimated for 2013.

The growth in health care costs is typically used by insurers to set premiums, according to the report by PwC's Health Research Institute, which analyzed costs for the 150 million Americans covered by employer health care plans.

"Health care cost increases continue to exceed overall growth in wages, but the gap appears to be shrinking," Michael Thompson, principal with PwC's human resource services practice, said in a statement.

Cost-conscious consumers are a major factor driving the slowdown. Bearing a greater share of health care costs, many workers are limiting doctor visits, delaying procedures and choosing cheaper providers. An Affordable Care Act provision that went into effect in late 2012, which aims to limit return visits to hospitals, is also playing a part in slowing spending, according to the report.

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Next year, millions of Americans will likely enter the health insurance system through state-based exchanges created under the Affordable Care Act. But the report predicts little impact on private health care costs from the influx, though it does acknowledge that individuals covered through the exchanges could face high out-of-pocket costs.

Once annual changes to plan offerings, such as any increases in deductibles and co-pays, are taken into account, employer health care costs are projected to increase an average of 4.5%, according to the report. How those costs are passed onto employee premiums will vary, said Ceci Connolly, managing director of PwC's Health Research Institute.

"We know that a lot of other factors go into setting premium rates," she said. "It also depends on who you are and where you live."

Consumers are learning to cope with increasing costs by changing their behaviors, the report found. With the cost of emergency room co-pays up 50% between 2009 and 2013, many consumers have switched to less-expensive venues for healthcare services, such as retail clinics and urgent care centers. Visits to retail clinics, such as those in pharmacies and other retailers, nearly tripled in the past five years, according to the report.

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Health care costs to slow in 2014