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

https://shanesexpertinsights.inkharbory.com/posts/how-do-reimbursement-arrangements-give-employees-more-choice

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.