Small businesses can shop off-exchange with a broker, buy a small-group plan...

https://highstylife.com/health-insurance-outside-the-exchange-for-a-business-with-no-hr-tools/

Small businesses can shop off-exchange with a broker, buy a small-group plan directly from a carrier, or compare HRA options. Before comparing premiums, check whether your doctors, hospitals, and prescriptions are covered by each plan’s network.