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

https://mike-wiki.win/index.php/How_Do_I_Set_a_Reimbursement_Amount_Without_Being_Unfair_to_Employees%3F

Small businesses can shop off-exchange through a broker, compare small-group plans directly with carriers, or consider an HRA to reimburse individual coverage. Before comparing premiums, check whether employees’ doctors and hospitals are in-network.