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

https://www.bookmark-ignite.win/small-businesses-can-shop-for-coverage-through-a-broker-contact-insurers

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or use an HRA to reimburse individual coverage. First, check that employees’ doctors and nearby hospitals are in the provider network.