Small businesses can shop off-exchange by working with a broker, contacting...

https://front-wiki.win/index.php/What_Does_Employer_Contribution_Mean_in_a_Group_Health_Plan%3F

Small businesses can shop off-exchange by working with a broker, contacting insurers directly about small-group plans, or comparing an HRA if traditional coverage isn’t a fit. Association plans may also be available, depending on the business and state