Small businesses have options beyond standard group plans. You can use SHOP for...

https://wiki-planet.win/index.php/How_Do_I_Know_If_My_Team_Will_Handle_Choosing_Plans_on_Their_Own%3F

Small businesses have options beyond standard group plans. You can use SHOP for tax credits, level-funded plans to potentially lower costs, or the ICHRA model to give employees tax-free money for their own plans