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

https://augustxpmw986.raidersfanteamshop.com/what-does-employer-contribution-mean-in-a-group-health-plan

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or consider an HRA. Before comparing premiums, check that employees’ doctors and preferred hospitals are in network.