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

https://andersonsimpressivecolumn.urbanvellum.com/posts/questions-to-ask-a-health-insurance-broker-before-i-sign-anything

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or consider an HRA. Before choosing, check whether employees’ doctors and nearby hospitals are in the plan’s network.