A small business can shop off-exchange by working with a broker, comparing...

https://future-wiki.win/index.php/What_Does_It_Mean_When_a_Plan_Has_No_Out-of-Network_Coverage%3F

A small business can shop off-exchange by working with a broker, comparing plans directly through insurers, or requesting quotes for small-group coverage. If your team is very small, an HRA may be another way to help employees pay for individual plans