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

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

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or explore HRA options. Before comparing premiums, check that employees’ doctors and hospitals are in-network; provider access can vary by plan.