You can shop off-exchange through a broker, directly with an insurer, or by...

https://chanceanfi100.image-perth.org/private-health-insurance-for-small-business-owners-options-outside-the-exchange

You can shop off-exchange through a broker, directly with an insurer, or by comparing small-group plans. For a tiny team, ask whether an HRA could fit. Before comparing prices, check that employees’ doctors and hospitals are in-network.