Small businesses can shop off-exchange through a broker or directly with an...

https://highstylife.com/health-insurance-outside-the-exchange-for-a-business-with-no-hr-tools/

Small businesses can shop off-exchange through a broker or directly with an insurer, comparing small-group plans and HRA options. Before weighing premiums, check that your team’s doctors, hospitals, and prescriptions are covered by each plan’s network.