Small businesses can shop off-exchange with a broker, compare small-group plans...

https://wiki-fusion.win/index.php/My_Employees_Live_in_Different_Areas:_How_Do_I_Pick_a_Health_Insurance_Network%3F

Small businesses can shop off-exchange with a broker, compare small-group plans directly with carriers, or use an HRA for individual coverage. Check provider networks first—make sure employees’ doctors and hospitals are included before weighing premiums.