Small businesses can shop off-exchange through a broker, compare small-group...

https://rileyssmartjournal.cloudhinter.com/posts/how-do-reimbursement-arrangements-give-employees-more-choice

Small businesses can shop off-exchange through a broker, compare small-group plans directly with carriers, or consider an HRA for employee reimbursements. Before comparing premiums, check that your team’s doctors and hospitals are in-network.