If you don't pay the deductible you are stiffing whomever provided you with medical services. The insurance company reimburses health care providers once the deductible has been met. if you haven't met your deductible, you owe that amount to the provider, and if you don't pay it they will probably send it to collections, or do whatever they do with unpaid bills. If you are very poor and cannot pay your deductible, you can try asking your healthcare provider to forgive it or to work out a payment plan with you.