Small businesses can shop for coverage through a licensed broker, buy directly...

https://titusscoolinsight.capitaljays.com/posts/what-to-ask-a-carrier-on-the-phone-about-networks-and-eligibility

Small businesses can shop for coverage through a licensed broker, buy directly from an insurer, or compare small-group plans. If a group policy isn’t the right fit, an HRA may let you reimburse employees for individual coverage