A small business can shop off-exchange through a broker, buy a small-group plan...

https://storyquanta.com/s/oJlrcImrxP1OWBxjM0C14

A small business can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or consider an HRA for individual coverage. Before comparing costs, check that employees’ doctors and nearby hospitals are in-network.