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

https://riversinspiringblogs.evergrovio.com/posts/out-of-network-costs-are-killing-us-how-can-a-small-business-avoid-them

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.