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

https://remingtonsgreatchat.wordcanopy.com/posts/health-insurance-for-a-startup-with-5-employees-where-do-i-start

Small businesses can shop off-exchange through a broker, directly with carriers, or by comparing small-group plans. Before choosing, check whether employees’ doctors and hospitals are in-network; a low premium won’t help if their care is out of reach.