You can shop off-exchange through a broker or directly with carriers, and...

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

You can shop off-exchange through a broker or directly with carriers, and compare small-group plans with an HRA for a tiny team. Before comparing premiums, check whether your employees’ doctors and hospitals are in each plan’s network.