The health care Jimmy’s employer offers is a fee-for-service plan in which Jimmy and his family must pay for $12,500 in health related services in a calendar year before the insurance company begins to pay. Jimmy and his family have several health related issues that demand $685.00 each month. If one of Jimmy’s children were to become seriously injured at the end of the year, how much more would Jimmy and his family need to pay before the insurance company begins to assume responsibility?

To determine how much more Jimmy and his family would need to pay before the insurance company starts to pay, we first need to calculate the total health-related expenses they incur in one year.

1. Calculate the annual expenses:
- Monthly expenses = $685.00
- Annual expenses = $685.00 * 12 = $8,220.00

2. Next, compare the annual expenses with the deductible (the amount they need to pay before insurance kicks in).

- Deductible = $12,500.00
- Total expenses incurred = $8,220.00

3. Since the total expenses ($8,220) do not meet the deductible, they have not met the threshold for insurance to start covering any costs.

If Jimmy's child becomes seriously injured just at the end of the year, they would still need to reach the deductible amount for the insurance to apply.

4. Calculate how much more they need to pay to meet the deductible:
- Amount remaining to meet the deductible = $12,500.00 (deductible) - $8,220.00 (current expenses) = $4,280.00

So, the correct answer is:
**b. $4,280.00**.