Small businesses can shop off-exchange through a broker, compare small-group...

https://wiki-spirit.win/index.php/Is_a_Health_Insurance_Broker_Worth_It_for_a_Tiny_Business%3F

Small businesses can shop off-exchange through a broker, compare small-group plans directly with carriers, or consider an HRA to reimburse individual coverage. Before choosing, check that employees’ doctors and nearby hospitals are in-network.