Quick Start Practice
Health Insurance Exam Topics Covered
Select Your State for Health Insurance Exam Prep
Choose your state for state-specific practice content
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How this free health insurance practice test works
These free health insurance practice tests need no signup and have no question cap. The 280-question bank is original material written from the published Accident & Health exam outlines: medical expense insurance, disability income, group health, Medicare and Medicaid, long-term care, and the state-law rules health producers are tested on.
Real Accident & Health licensing exams vary widely by state - scored questions range from 60 to 150 and verified passing scores run from 60% up to 76% (Michigan has the highest cut score in the country for this line). Select your state below and your mock exam copies the real exam's length and time limit, and grades you against the official cut score.
If your state offers the combined Life, Accident & Health exam - Ohio's Series 11-35 and Michigan's combined producer exam are both 150 questions - you can prepare for the health half here and the life half in the life bank, or blend both lines in the custom test builder.
Also preparing for the life exam? Free life insurance practice tests
Sitting a combined exam? See the life and health insurance practice exam page for the states that test both lines together (Texas, Ohio, Georgia, Florida, New York).
Health insurance practice test FAQs
Is this health insurance practice test free?
Completely - all questions, all modes, all states, plus a downloadable questions-and-answers PDF, with no registration of any kind.
How hard is the health insurance licensing exam?
Cut scores are real: from 60% in California to 76% in Michigan, the highest of any state for this line. The most-missed areas are Medicare rules, disability income riders, and COBRA/HIPAA timelines - all heavily covered in this bank with full explanations.
What does the health exam cover?
Field underwriting and applications, individual and group medical expense policies, disability income, Medicare/Medicaid and long-term care, policy provisions, and your state's insurance law. Every topic in the official outlines has questions here.
Can I practice life and health at the same time?
Yes - the custom test builder lets you combine life and health topics in one session, which is the closest match to a combined Life, Accident & Health exam.
Most-practiced health insurance state exams
Health Insurance questions reviewed by Jennifer Collins — Health & Accident, 9 years' experience, Columbus, OH. Meet the instructors.