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

https://instaquoteapp.com/small-business-health-insurance-terms-i-keep-hearing-but-dont-understand/

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