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

https://highstylife.com/health-insurance-outside-the-exchange-for-a-business-with-no-hr-tools/

Shop off-exchange through a broker, compare small-group plans with carriers, or consider an HRA so staff can choose coverage. First, check each plan’s provider network: confirm team doctors, nearby hospitals, and key prescriptions are covered