Attempt to explain the deductible

There is often confusion about the deductible. Often prompted by someone calling BCBS and being told their deductible is much higher than it actually is.

This change attempts to provide a clear explanation of what is actually going on.
Would it be more accurate to say "...to provide you with an effective deductible of..." instead of saying "...with an actual deductible of..."?

I can convince myself that either thing is correct, given that the purpose of the HRA is explicitly to reduce the deductible.  But, given that this section is about what BCBS thinks and how to interact with them, I think "effective" is more employee-facing and "actual" implies that BCBS should be in tune with this.