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

https://ariassplendidinsight.swiftnestly.com/posts/trade-association-membership-just-for-health-insurance-is-that-a-bad-idea

Small businesses can shop off-exchange through a broker, compare small-group plans directly with carriers, or consider an HRA for employee reimbursements. Before comparing premiums, check that your team’s doctors and hospitals are in-network.