Small businesses can shop off-exchange with a broker, buy a small-group plan...

https://wiki-stock.win/index.php/Marketplace_Plans_Are_Too_Expensive_for_My_3-Person_Company._What_Now%3F

Small businesses can shop off-exchange with a broker, buy a small-group plan directly from a carrier, or compare HRA options. Before comparing premiums, check whether your doctors, hospitals, and prescriptions are covered by each plan’s network.