Small businesses can shop off-exchange with a licensed broker, compare...

https://direct-wiki.win/index.php/What_Does_Employer_Contribution_Mean_in_a_Group_Health_Plan%3F

Small businesses can shop off-exchange with a licensed broker, compare small-group plans directly through carriers, or consider an HRA for individual coverage. Before weighing prices, check whether employees’ doctors and hospitals are in-network.