Shop off-exchange through a broker, buy a small-group plan from a carrier, or...

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

Shop off-exchange through a broker, buy a small-group plan from a carrier, or consider an HRA for individual coverage. First, check whether employees’ doctors and hospitals are in-network; a low premium matters less if their providers aren’t covered.