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

https://andresssmartcolumns.talesignal.com/posts/direct-to-carrier-health-insurance-takes-forever-how-do-i-speed-it-up

Small businesses can shop off-exchange through a broker, directly with insurers, or with a small-group plan. Check provider networks first: make sure your team’s doctors and nearby hospitals are included before comparing premiums.