Small businesses can shop off-exchange by asking a broker to compare...

https://www.nav-bookmarks.win/small-businesses-can-shop-off-exchange-through-a-broker-buy-a-small-group-plan

Small businesses can shop off-exchange by asking a broker to compare small-group plans or contacting insurers directly for quotes. If traditional group coverage doesn’t fit, an HRA may let the business reimburse employees for eligible individual coverage