You can shop off-exchange through a broker or directly with carriers, and...

https://sierra-wiki.win/index.php/How_Do_Health_Insurance_Brokers_Get_Paid,_and_Does_It_Change_My_Rate%3F

You can shop off-exchange through a broker or directly with carriers, and compare small-group plans if your team qualifies. Before weighing premiums, check that your doctors and nearby hospitals are in each plan’s network.