A small business can shop off-exchange by working with a broker, comparing...

https://www.fastbookmarks.win/small-businesses-can-shop-off-exchange-through-a-broker-directly-with-an

A small business can shop off-exchange by working with a broker, comparing plans directly through insurers, or requesting quotes for small-group coverage. If your team is very small, an HRA may be another way to help employees pay for individual plans