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

https://jeffreyknev582.yousher.com/i-saw-a-reddit-thread-about-small-business-health-insurance-is-it-reliable

Small businesses can shop off-exchange by working with a licensed broker, contacting carriers directly about small-group plans, or comparing whether an HRA fits their team. Association plans may also be an option, depending on eligibility and state rules