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

https://online-wiki.win/index.php/How_Do_Reimbursement_Arrangements_Give_Employees_More_Choice%3F

Shop off-exchange through a broker, compare small-group plans with carriers, or consider an HRA so staff can choose coverage. First, check each plan’s provider network: confirm team doctors, nearby hospitals, and key prescriptions are covered