Small businesses can shop off-exchange through a broker, buy a small-group plan...

https://shanesexpertinsights.inkharbory.com/posts/what-matters-more-provider-network-or-monthly-premium

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or consider an HRA if individual coverage fits better. Before choosing, check that employees’ doctors and nearby hospitals are in the plan’s network.