Small businesses can shop for coverage through a local broker, buy directly...

https://holdenssmartblogs.hexaforgey.com/posts/direct-to-carrier-health-insurance-takes-forever-how-do-i-speed-it-up

Small businesses can shop for coverage through a local broker, buy directly from an insurer, or compare small-group plans. If a group plan isn’t a fit, an HRA can help reimburse employees for individual coverage