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

https://chanceanfi100.image-perth.org/private-health-insurance-for-small-business-owners-options-outside-the-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