Can I unbundle my group’s drug, vision, and dental offerings so they are no longer employer-sponsored and instead offer these as voluntary coverage whereby my employees would be responsible for paying the premiums?

No, you may not unbundle your rider offerings and offer these as voluntary coverage to your employees. However, HMAA provides the following options to help mitigate the loss of employer-provided coverage:

• Optum Perks is a prescription drug savings program through which your employees can obtain a free discount card online and instantly save on select prescription medications. Learn more.
• VSP Individual Vision Plans are direct, non-employer-sponsored vision plans in which your employees can enroll and pay the premium online through VSP’s website. Learn more.