Download the health PDF (80 pages, 300 questions, 224 KB)
Questions on pages 2-46, answer key with explanations on pages 47-80 - so you can print the questions alone and keep the key on your phone. These are original practice questions written against the published health exam content outline; they are not actual exam questions.
Here is the health insurance exam questions and answers PDF people search for: 300 original multiple-choice questions on the national accident and health content, each with its correct letter and an explanation that says why the other three options are wrong. It is the printable version of the bank behind the health insurance practice tests on this site - the same questions, the same answer key. Free, no signup, no email address asked for. Last updated September 2026.
What is in the health PDF
The file holds every national health question in the bank, numbered 1 to 300 in the order the practice tests use, followed by the full answer key. No question is withheld for a paid tier. The bank is organised into 20 topic areas; the counts below are tallied from the questions' topic tags, so the table shows exactly where the file spends its questions:
| Topic area | Questions |
|---|---|
| Policy provisions (renewability, grace period, claims, time limit on certain defenses) | 32 |
| Medicare and Medicaid (Parts A-D, enrollment periods, penalties) | 24 |
| Group health insurance (eligibility, COBRA, conversion, ERISA) | 23 |
| Disability income insurance (definitions of disability, elimination and benefit periods, riders) | 22 |
| Types of health policies | 18 |
| Affordable Care Act (marketplace, essential benefits, metal tiers) | 17 |
| Medicare Supplement and Medicare Advantage | 15 |
| Taxation of health insurance (HSAs, FSAs, HRAs, disability benefits) | 15 |
| Managed care (HMO, PPO, POS), underwriting and risk, uniform policy provisions | 14 each |
| Health insurance basics, medical expense insurance | 13 each |
| Coordination of benefits and other concepts | 12 |
| Prescription drug coverage, general principles and contract law, field underwriting and applications, HIPAA and privacy | 10 each |
| Ethics and regulations | 9 |
| State health programs (Medicaid administration, medically needy, payer of last resort) | 5 |
Forty-seven of the questions cite the federal rule they test - COBRA (29 U.S.C. 1161-1168), HIPAA portability and privacy (29 U.S.C. 1181-1182, 45 CFR 160-164), the Social Security disability definition (42 U.S.C. 423), IRS Publication 969 for HSAs, and medicare.gov or medicaid.gov for program rules - so when an explanation gives a deadline or a dollar structure you can check it at the source. Those are the questions in the second half of the file, and they are the ones that separate a candidate who has memorised terms from one who can apply them.
What the PDF does not cover
Every state's health (or accident and health) exam adds a state-law section on top of this national content: licensing, unfair trade practices, the state's own continuation and conversion rules, external review and the like. That section is not in the PDF, because the questions are different for each state and change whenever a legislature amends the code. The bank keeps them separately for 51 states and serves them on the state pages: Texas, California and New York have 30 health state-law questions each, Florida 19, North Carolina and Michigan 18, Georgia and Pennsylvania 12, and the remaining covered states 14. Do the PDF for the national part and your state page for the rest.
The PDF also does not replace your state's candidate handbook. Georgia, for instance, sits a 90-question accident and sickness exam with a 70% pass mark, while Michigan's health exam is 100 questions with a 76% cut score - the handbook and the state page carry those figures with their verification dates; the PDF deliberately does not, so it never goes stale when a state changes them.
Three questions from the PDF
Reproduced exactly as they appear in the file and in the practice tests, with the bank ID in brackets, so you can judge the question style before you download.
1. After a COBRA qualifying event, how long does a qualified beneficiary have to elect continuation coverage? [health-271]
- A. 60 days, measured from the later of the date coverage ends or the date the election notice is provided
- B. 31 days from the date of the qualifying event
- C. 90 days from the date the plan administrator is notified
- D. 45 days from the date coverage ends
Answer: A. COBRA gives qualified beneficiaries at least 60 days to elect continuation coverage, running from the later of the date coverage would end or the date the election notice is provided. The 45-day figure is a distractor: that is the deadline for making the first premium payment after electing. See 29 U.S.C. 1161-1168 (COBRA).
2. Health Savings Accounts are often described as having a "triple tax advantage." Which combination correctly describes it? [health-293]
- A. Contributions are taxable, but earnings and all withdrawals are tax free
- B. Contributions are deductible, earnings are taxable annually, and qualified withdrawals are tax free
- C. Contributions are deductible, earnings grow tax free, and distributions for qualified medical expenses are tax free
- D. Contributions are deductible, earnings grow tax free, and all withdrawals for any purpose are tax free
Answer: C. HSA contributions are deductible even for taxpayers who do not itemize, earnings inside the account are not taxed, and distributions are tax free when used for qualified medical expenses. Option D overstates the benefit: withdrawals for nonmedical purposes are taxable and may carry an additional tax. See IRS Publication 969.
3. A child's father was born March 3, 1980, and the child's mother was born January 20, 1990. The married parents live together and each covers the child under a group plan. Under the birthday rule, whose plan is primary for the child? [health-316]
- A. The father's plan, because he is older
- B. The plan that has covered the child the shortest time
- C. The mother's plan, because January 20 falls earlier in the calendar year; the year of birth is ignored
- D. Whichever plan the parents designate on the claim form
Answer: C. The birthday rule makes primary the plan of the parent whose birthday falls earlier in the calendar year, comparing only month and day, never the year of birth. Although the father is older, the mother's January birthday precedes his March birthday, so her plan pays first. See the NAIC-model coordination of benefits rules.
Download all 300 health questions (PDF)
A study plan sized to 300 questions
Three hundred questions is ten sets of 30. The file mixes topics within each stretch rather than grouping them, which is closer to how the exam feels, but the emphasis shifts as you go, so a front-to-back plan looks like this:
- Sets 1-3 (questions 1-90): the vocabulary pass - basics, types of policies, managed care, plus all 17 Affordable Care Act questions and a first run at Medicare and disability. Deductible, coinsurance, copayment, out-of-pocket maximum, HMO against PPO against POS: if any of these still needs a second look at the end of set 3, repeat the set, because the rest of the file assumes them.
- Sets 4-6 (91-180): the heaviest stretch for policy provisions (24 of the 32), all 13 medical expense questions, and most of the group health and disability income items. Cover the key and write your letter down first; renewability and claims provisions are where candidates most often pick a plausible wrong option under time pressure.
- Sets 7-8 (181-240): all 14 uniform policy provisions, general principles and contract law, field underwriting and applications, and 12 of the 15 Medicare Supplement and Advantage questions. Draw the Medicare Parts A-D grid from memory once before you start this stretch, then let the questions correct it.
- Sets 9-10 (241-300): the cited questions - HIPAA, COBRA, Medicare enrollment periods and penalties, Social Security disability, HSAs and FSAs, coordination of benefits. Read every explanation here, including on the ones you got right; the deadlines (30 days, 60 days, 45 days, 63 days) are deliberately close to one another and the explanations say which is which.
- Then go online for the timing: a health insurance mock exam for your state runs the real question count and time limit, which is the part of exam readiness a PDF cannot check.
Mark the topic of every miss in the margin. Two or more misses in the same topic area means reading that chapter of your prelicensing text again, not just re-doing the questions.
Practice these questions online
- Health insurance practice tests - the same 300 questions in timed mock, instant-feedback and topic-review modes, with the state-law sets for 51 states added on the state pages.
- State pages with their own health state-law questions and verified exam facts: Texas (30 state-law questions), California (30), Florida (19), North Carolina (18), Georgia (12), Michigan (18), Ohio (14). The hub lists all 51 jurisdictions.
- Life, Accident and Health combined practice - for states that licence life and health in one sitting; the health half of that session is this bank.
- Combined or separate? How each state structures its insurance exams - check which exam your state actually gives before you decide whether you also need the life questions.
- 10 essential tips for the health insurance exam - the Medicare and managed-care traps in particular.
Other free PDFs
- Free insurance exam questions and answers PDF - the hub page, which covers all three lines and the study-guide use of the files.
- Free life insurance exam questions and answers PDF - 306 life questions, the other half of a combined Life, Accident and Health exam.
- Free property and casualty exam questions and answers PDF - 390 P&C questions.
- Free Florida insurance exam questions and answers PDF - Florida's state-law questions for every line, cited to the Florida Statutes, alongside the national sets.
About this material
Everything in the file - stems, options, explanations and citations - was written by this site's team from the published accident and health exam content outlines and checked by a licensed health insurance professional (byline below). None of it is an actual exam question; the vendors do not release those, and a page that claims otherwise is selling you something. The 300 figure and the state counts on this page are read from the question bank when the site is built, and the PDF is regenerated from that same bank, so the two never disagree. This site is independent of every state insurance department and exam vendor; confirm fees, question counts, time limits and prelicensing hours with your state's official candidate handbook before you book.
Frequently asked questions
Are these actual health insurance exam questions?
No. The 300 questions are original practice items written against the published accident and health content outline, and every explanation is ours. The exam vendors keep their questions confidential. What the PDF gives you is the same topics, the same four-option format and the same kind of distractors, which is what exam practice is for.
Does the health PDF include Medicare, Medicaid and the ACA?
Yes. The file has 24 Medicare and Medicaid questions, 15 on Medicare Supplement and Medicare Advantage, 10 on prescription drug coverage including Part D, 5 on state health programs and 17 on the Affordable Care Act - 71 questions on public programs and federal reform in total, with the enrollment periods and penalty rules explained and cited to medicare.gov.
Does it cover my state's insurance law section?
No. The PDF is the national content only. State-law questions differ by state, so they live on the state pages instead: 51 states have their own health state-law sets (Texas, California and New York 30 each, Florida 19, North Carolina 18, most others 14). Take your state page's mock exam for that section and use its link to the official candidate handbook.
Is this the right PDF for an accident and health exam or a Life, Accident and Health exam?
For an accident and health (or sickness) producer exam, yes - that is the national content this file covers. For a combined Life, Accident and Health exam you also need the life questions; download the life PDF from its own page and use the combined practice route on the site to mix both banks in one timed session.
How up to date is the health PDF?
It was regenerated from the live question bank in September 2026 and is rebuilt whenever the bank changes; the counts on this page come from the same bank at build time. Questions that depend on a year-specific figure, such as the 2025 Part D out-of-pocket cap, say so in the explanation.
Can I print it, and do I have to register?
You can print it - 80 pages formatted for US Letter, cover and questions on pages 1-46 and the answer key on pages 47-80, so you can print the questions on their own. The text is selectable and searchable on a phone or tablet. No registration, no email, no payment; the link opens the file directly and you may share it unmodified.