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

https://www.random-bookmarks.win/a-small-business-can-shop-for-off-exchange-coverage-through-a-broker-who-can

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