Small businesses can shop off-exchange through a broker, buy a small-group plan...

https://damienxzyy492.cavandoragh.org/how-does-a-health-reimbursement-arrangement-work-for-a-small-business

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or compare HRA options. Before weighing premiums, check that your doctors and nearby hospitals are in the plan’s network.