A small business can shop off-exchange by working with a broker, comparing...

https://sierra-wiki.win/index.php/How_Do_Health_Insurance_Brokers_Get_Paid,_and_Does_It_Change_My_Rate%3F

A small business can shop off-exchange by working with a broker, comparing plans directly through insurers, or requesting quotes for small-group coverage. If your team is very small, an HRA may be another way to help employees pay for individual plans