...and their sales training will always include ramming ancillary products - competitive or not - down your client's throats.
Most often in order to maximize commissions that entails giving your client a more lacking plan so you have room in the premium for the other bag off goodies you're trying to hawk.
You don't make real money in outfits like InShpere by selling a family HSA
100. You make the real dough by selling Copay Saver loaded with dental/vision, critical illness, accident protection, etc...