Hi Andy,
I had my first sale last night. I took your advise and quoted an HSA and a copay plan with Humana.  I was able to educate him on the fact that he would actually be paying more out of pocket with the copay plan compared to the HSA while still getting negotiated rates for the office visit with the HSA.  Once he agreed on that it was then choosing which HSA to go with.  I then discussed the math and told him he could pocket the $151 savings per month which is a savings of $1812 for the year.  Why pay the insurance company instead of lining your own pockets. Thank you again for all of your knowledge. 

Mark M.