Shop off-exchange through a broker, directly with carriers, or by comparing...

https://harpersnewinsight.brightsora.com/posts/small-business-health-insurance-options-for-less-than-10-employees

Shop off-exchange through a broker, directly with carriers, or by comparing small-group plans. An HRA may suit teams that want to reimburse individual coverage. First, check that employees’ doctors and nearby hospitals are in each plan’s network.