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

https://www.bookmarking-maze.win/small-businesses-can-shop-off-exchange-through-a-broker-directly-with-an

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