A small firm can ask a broker, buy a small-group plan direct, use an HRA to...

https://victoriassmartword.publishlane.com/posts/what-does-it-mean-when-a-plan-has-no-out-of-network-coverage

A small firm can ask a broker, buy a small-group plan direct, use an HRA to help pay for individual plans, or check association coverage. First, check provider networks: are employees’ doctors and nearby clinics included? Then compare costs