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

https://mylesssmartop-eds.cloudhinter.com/posts/small-business-health-insurance-without-an-hr-department-practical-tips

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