WASHINGTON -- About half the people who now buy their own health insurance -- and potentially would face higher premiums next year under President Barack Obama's health care law -- would qualify for federal tax credits to offset rate shock, according to a new private study. But many others earn too much money to be eligible for help, and could end up paying more. The estimate, being released today by the nonpartisan Kaiser Family Foundation, tries to answer one of the biggest remaining questions about the impact of Mr. Obama's law on American families: Will consumers wince -- or even balk -- when they see the premiums for the new plans?