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

https://www.wall-bookmarkings.win/small-businesses-can-shop-off-exchange-with-a-broker-buy-a-small-group-plan

Small businesses can shop off-exchange by working with a broker, requesting quotes directly from carriers, or comparing small-group plans. If a group plan isn’t a fit, an HRA may let the business reimburse employees for individual coverage