A small business can compare off-exchange small-group plans through a broker or...

https://alexisgfes284.trexgame.net/small-group-health-plan-vs-reimbursing-employees-for-individual-plans

A small business can compare off-exchange small-group plans through a broker or directly with insurers, and consider an HRA if individual coverage fits better. Before comparing premiums, check that employees’ doctors and hospitals are in-network.