Small businesses can shop off-exchange through a broker, buy directly from a...

https://juliet-wiki.win/index.php/Health_Insurance_for_Very_Small_Teams:_Why_Does_It_Feel_So_Hard%3F

Small businesses can shop off-exchange through a broker, buy directly from a carrier, or compare small-group plans. An HRA may help reimburse individual coverage. Before comparing premiums, check that your team’s doctors and clinics are in-network.