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

https://rileysexcellentnews.readspirex.com/posts/urgent-care-coverage-questions-to-ask-before-choosing-a-plan

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