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

https://research-wiki.win/index.php/Health_Insurance_for_Very_Small_Teams:_Why_Does_It_Feel_So_Hard%3F

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or consider an HRA. Before comparing premiums, check that employees’ doctors, hospitals, and prescriptions are covered by the plan.