What happens if a deductible is not met in an insurance policy?

When a deductible is not met in an insurance policy, the policyholder is responsible for paying the full cost of medical expenses. A deductible is the amount that the insured must pay out of pocket before the insurance company begins to cover the expenses. If the insured's medical expenses do not reach the deductible amount, then the insurance company will not provide any financial assistance for those expenses.

This structure is designed to ensure that the policyholder takes on a certain level of risk and financial responsibility before the insurance coverage kicks in. Thus, if the deductible threshold remains unmet, the full burden of the medical costs falls onto the insured, which is accurately represented by the selected answer.