A small business can shop off-exchange through a broker, compare small-group...

https://wiki-wire.win/index.php/What_Does_It_Mean_When_a_Plan_Has_No_Out-of-Network_Coverage%3F

A small business can shop off-exchange through a broker, compare small-group plans directly with carriers, or consider an HRA for individual coverage. Before comparing prices, check that each plan includes your team’s doctors and nearby hospitals.