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.
@derekprior have you needed to do this since March when the link between BCBS and Choice was made automatic? If people would prefer I leave HRA here, I'm fine with it.