Small businesses can shop off-exchange with a licensed broker, compare...

https://victoriassmartword.publishlane.com/posts/what-does-it-mean-when-a-plan-has-no-out-of-network-coverage

Small businesses can shop off-exchange with a licensed broker, compare small-group plans through carriers, or use an HRA so employees choose individual coverage. First, check that your team’s doctors and hospitals are in each plan’s network.