Small businesses can shop off-exchange through a broker, directly with an...

https://titusscoolinsight.capitaljays.com/posts/what-are-the-admin-steps-for-setting-up-an-hra-style-benefit

Small businesses can shop off-exchange through a broker, directly with an insurer, or by comparing small-group plans. Before weighing prices, check that employees’ doctors and hospitals are in-network.