Less than 90 days before government-run health exchanges are due to open up shop under President Obama's new health care law, Web insurers are still being locked out of helping sign up uninsured individuals -- a lag that threatens to depress enrollments, and jack up insurance rates, experts tell CNBC. Those experts warned that if dozens of Web-based markets -- which already sell insurance online -- continue to be shut out of partnering with government exchanges, it could lead to 1 million or more people failing to sign up for insurance under Obamacare. And, they cautioned, the delay may signal that some of the exchanges won't be ready for business by the official Oct. 1 target date.