Wow! Again, I am dumbfounded at the misinformation being presented. There is no straight $5000 deductible, and in many cases of a critical illness or an accident, the insured has no deductible expense, and no coinsurance expense. I would advise that you call our regional sales leads, Sherene or Ron Smith at 3720-357-7398
You've been sold a bill of goods, and trained incorrectly. Run your own quotes at Eheallth: Health Insurance - Find Affordable Health Insurance Plans and Buy Medical Coverage Online and you'll find many "straight" $5000 deductible HSA plans. Forget the accident/critical illness add-ons for once.
I got the same answers from 10 other agents like you that I recruited about 7 years ago (all got out of the biz for one reason or another). All had the same answer as you originally. Do your due diligence, for the sake of your clients/prospects. As I thought, no specific answer. Just a deflection to regional sales leads, the kool aid mixers.
You might want to apply with the current administration in the white house.