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

https://wiki-neon.win/index.php/How_Does_a_Health_Reimbursement_Arrangement_Work_for_a_Small_Business%3F

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 each plan’s network to avoid costly surprises.