Small businesses can shop for coverage off-exchange through a broker, directly...

https://www.jelly-bookmarks.win/small-businesses-can-shop-off-exchange-through-a-broker-directly-with-an

Small businesses can shop for coverage off-exchange through a broker, directly with an insurer, or by comparing small-group plans. If a traditional group plan isn’t a fit, an HRA can let the business reimburse employees for eligible individual coverage