Shop off-exchange through a broker, compare small-group plans with carriers, or...

https://wiki-cable.win/index.php/Why_Do_Carriers_Make_It_So_Hard_to_Compare_Plans_Side_by_Side%3F

Shop off-exchange through a broker, compare small-group plans with carriers, or use an HRA so employees choose their own coverage. Before weighing premiums, check that the provider network includes your team’s doctors and nearby hospitals.