Shop off-exchange through a broker, directly with carriers, or by comparing...

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

Shop off-exchange through a broker, directly with carriers, or by comparing small-group plans. An HRA may suit teams that want to reimburse individual coverage. First, check that employees’ doctors and nearby hospitals are in each plan’s network.