A small business can shop off-exchange through a broker, buy a small-group plan...

https://highstylife.com/health-insurance-outside-the-exchange-for-a-business-with-no-hr-tools/

A small business can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or consider an HRA for individual coverage. Before comparing premiums, check whether employees’ doctors and preferred hospitals are in-network.