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

https://johnathanrcpw248.wpsuo.com/health-reimbursement-arrangement-eligibility-rules-i-should-know

Small businesses can shop off-exchange through a broker, buy a small-group plan directly from a carrier, or consider an HRA. Before comparing premiums, check that employees’ doctors and preferred hospitals are in network.