Small businesses can shop off-exchange through a broker, buy directly from a...

https://www.tradersdna.com/the-best-ways-to-find-small-business-health-insurance-outside-the-marketplace-exchange/

Small businesses can shop off-exchange through a broker, buy directly from a carrier, or compare small-group plans. An HRA may help reimburse individual coverage. Before comparing premiums, check that your team’s doctors and clinics are in-network.