WASHINGTON — A new study finds that insurance companies will have to pay out an average of 32 percent more for medical claims under President Barack Obama's health care overhaul. What does that mean for you? It could increase premiums for at least some Americans. If you are uninsured, or you buy your policy directly from an insurance company, you should pay attention. But if you have an employer plan, like most workers and their families, odds are you don't have much to worry about. The estimates from the Society of Actuaries could turn into a political headache for the Obama administration at a time when much of the country remains skeptical of the Affordable Care Act.