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

https://remingtonsgreatchat.wordcanopy.com/posts/health-insurance-for-a-startup-with-5-employees-where-do-i-start

Small businesses can shop off-exchange by working with a licensed broker, contacting carriers directly about small-group plans, or comparing whether an HRA fits their team. Association plans may also be an option, depending on eligibility and state rules