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

https://wiki-nest.win/index.php/What_Does_Employer_Contribution_Mean_in_a_Group_Health_Plan%3F

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or use an HRA to reimburse individual coverage. First, check that employees’ doctors and nearby hospitals are in the provider network.