Employers offer much more coverage than we're contemplating here. This is a very tiny sliver of what employers offer.
I can tell you from negotiating these things that there is not the opportunity to go à la carte. If you try to pull out a tiny fraction, you're not going to save very much. You're going to show your employees that you're not serious about them.
What I've seen from the insurance industry is that they are very anxious to maintain their coverage and their business—