Small businesses can compare off-exchange small-group plans through a broker or...

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

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