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

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

Small businesses can shop off-exchange through a broker, directly with carriers, or by comparing small-group plans. Before weighing premiums, check that employees’ doctors and nearby hospitals are in-network to avoid costly surprises.