Small businesses can shop off-exchange through a broker, buy directly from a...

https://online-wiki.win/index.php/How_Do_Renewal_Terms_Work_for_Small_Group_Health_Insurance%3F

Small businesses can shop off-exchange through a broker, buy directly from a carrier, or compare small-group plans. An HRA may help reimburse individual coverage. Before comparing premiums, check that your team’s doctors and clinics are in-network.