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

https://blogfreely.net/neasalnfbo/how-to-talk-to-employees-about-choosing-between-plan-options

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