Except if they purchase a subscription to these benefits through one of the two companies (same parent company) that provide them. The subscriptions are of course competitively priced, since they only have the best interest of their customers at heart.

I find it's helpful to create a monopoly on purpose, and then give that monopoly for a service an additional monopoly on violence. Then, if someone doesn't want to use the monopoly, they can just send men with weapons of war to force them to fund the monopoly at gunpoint.