Shop off-exchange through a broker or directly with carriers, and compare...

https://bizzmarkblog.com/employee-eligibility-for-health-benefits-what-counts-as-eligible/

Shop off-exchange through a broker or directly with carriers, and compare small-group plans. If those don’t fit, an HRA may reimburse individual coverage. First, check that employees’ doctors and hospitals are in-network, then compare costs.