Small businesses can shop off-exchange through a broker, contact insurers...

https://lima-wiki.win/index.php/Out-of-Network_Costs_Are_Killing_Us:_How_Can_a_Small_Business_Avoid_Them%3F

Small businesses can shop off-exchange through a broker, contact insurers directly about small-group plans, or compare an HRA if individual coverage fits the team better. Association plans may be another option, depending on eligibility and state rules