Small businesses can shop off-exchange by working with a broker, requesting...

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

Small businesses can shop off-exchange by working with a broker, requesting quotes directly from carriers, or comparing small-group plans. If a group plan isn’t a fit, an HRA may let the business reimburse employees for individual coverage