Even the healthy locked out of 2014 policies now

FILE - In this March 31, 2014, file photo, Elizabeth Rich helps a man sign up for the Affordable Care Act at Swope Health Services in Kansas City, Mo. Here’s more fallout from the health care law: Healthy customers with money to spend will no longer be able to walk into a private insurance office or go online and buy standard coverage any time of year. With limited exceptions, insurers don’t plan to sell to individuals outside the open enrollment period in HealthCare.gov and the state insurance marketplaces. (AP Photo/Charlie Riedel)WASHINGTON (AP) — Americans thinking about buying health insurance on their own later this year, or maybe switching to a different insurer, are probably out of luck. The policies are going off the market as a little-noticed consequence of President Barack Obama's health care overhaul.