Small businesses can shop off-exchange by working with a licensed broker,...

https://www.apu-bookmarks.win/small-businesses-can-shop-for-coverage-through-a-licensed-broker-buy-directly

Small businesses can shop off-exchange by working with a licensed broker, contacting carriers directly about small-group plans, or comparing whether an HRA fits their team. Association plans may also be an option, depending on eligibility and state rules