Shop off-exchange through a broker, buy a small-group plan from a carrier, or...

https://www.apu-bookmarks.win/small-businesses-can-shop-for-coverage-through-a-licensed-broker-buy-directly

Shop off-exchange through a broker, buy a small-group plan from a carrier, or consider an HRA for individual coverage. First, check whether employees’ doctors and hospitals are in-network; a low premium matters less if their providers aren’t covered.