Shop off-exchange through a broker, directly with carriers, or by comparing...

https://www.tradersdna.com/the-best-ways-to-find-small-business-health-insurance-outside-the-marketplace-exchange/

Shop off-exchange through a broker, directly with carriers, or by comparing small-group plans. An HRA may suit teams that want to reimburse individual coverage. First, check that employees’ doctors and nearby hospitals are in each plan’s network.