Small businesses can shop off-exchange through a broker, buy directly from a...

https://future-wiki.win/index.php/What_Does_It_Mean_When_a_Plan_Has_No_Out-of-Network_Coverage%3F

Small businesses can shop off-exchange through a broker, buy directly from a carrier, or compare small-group plans; some may consider an HRA instead. Before weighing prices, check whether employees’ doctors and nearby hospitals are in-network.