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

https://judahsuniqueop-eds.lumenforgex.com/posts/health-insurance-for-very-small-teams-why-does-it-feel-so-hard

Small businesses can shop off-exchange with a broker, buy a small-group plan directly from a carrier, or compare HRA options. Before comparing premiums, check whether your doctors, hospitals, and prescriptions are covered by each plan’s network.