You can shop off-exchange through a broker, directly with an insurer, or by...

https://www.tradersdna.com/the-best-ways-to-find-small-business-health-insurance-outside-the-marketplace-exchange/

You can shop off-exchange through a broker, directly with an insurer, or by comparing small-group plans. For a tiny team, ask whether an HRA could fit. Before comparing prices, check that employees’ doctors and hospitals are in-network.