Shop off-exchange through a broker, compare small-group plans with carriers, or...

https://instaquoteapp.com/small-business-health-insurance-terms-i-keep-hearing-but-dont-understand/

Shop off-exchange through a broker, compare small-group plans with carriers, or use an HRA so employees choose their own coverage. Before weighing premiums, check that the provider network includes your team’s doctors and nearby hospitals.