Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 900 practice questions - 276 for Life, 280 for Health, and 384 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

Under California's time-limit-on-certain-defenses provision, after a disability policy has been in force for how long during the insured's lifetime does it become incontestable as to statements in the application?

Two years (excluding any period the insured is disabled)

A California insurer sells a disability policy to a 70-year-old. What examination (free-look) period must the policy provide, and how quickly must premiums be refunded if it is returned?

30 days after receipt; refund within 30 days after the insurer receives the returned policy

How long is the initial Medicare supplement open enrollment period in California, and when does it begin?

Six months, beginning the first day of the first month in which the person is both 65 or older and enrolled in Medicare Part B

Three months, beginning on the person's 65th birthday

Sixty days, beginning when Part A coverage starts

Twelve months, beginning at retirement

A California insurer pays a producer for a Medicare supplement sale. What limit does the Insurance Code place on first-year compensation, and for how many renewal years must renewal compensation continue?

First-year commission may not exceed 200 percent of the second-year commission; the same renewal amount must be paid for no fewer than five renewal years

First-year commission may not exceed the renewal commission; three renewal years

First-year commission may not exceed 150 percent of second-year; four renewal years

No limit on first-year commission; two renewal years

What is a 'formulary' in health insurance?

A list of prescription drugs covered by a health plan

A schedule of usual and customary charges for covered services

A list of network providers a member may use for care

A list of pre-existing conditions excluded from a health plan

What is 'step therapy' in prescription drug coverage?

Requiring trial of lower-cost drugs before more expensive options

Requiring plan approval before a specialty drug is dispensed

Limiting the quantity of a drug a member may fill in a given period

Charging progressively higher copayments as drugs move up formulary tiers

What is 'long-term care' insurance?

Coverage for assistance with daily living activities when unable to care for oneself

Coverage that replaces lost income when a disability keeps the insured from working

Coverage for extended inpatient hospital stays beyond major medical benefit limits

Coverage that pays the gaps left by Medicare for physician and hospital deductibles

What are 'activities of daily living' (ADLs)?

Basic self-care tasks used to measure need for long-term care

Household tasks such as shopping and managing money and medications

Skilled nursing services ordered by a physician for a chronic condition

Cognitive tests used to diagnose dementia before benefits are paid

What is a 'benefit trigger' in long-term care insurance?

The criteria that must be met before benefits are paid

The waiting period that must pass before benefits begin

The event that causes premiums to be waived during a claim

The maximum number of days for which benefits will be paid

What is 'mental health parity'?

Requiring equal coverage for mental health as for medical/surgical conditions

Requiring every health plan to offer mental health benefits as a covered service

Requiring equal premium rates for members with and without a mental health diagnosis

Requiring mental health screening before a policy is issued to an applicant

What is 'community rating' in health insurance?

Setting premiums based on the entire community rather than individual health status

Setting premiums based on each applicant's individual medical history

Insurance for community organizations

Setting premiums based on a group's actual claims history

What is 'experience rating' in health insurance?

Setting premiums based on a group's actual claims history

Setting premiums based on the average risk of a whole geographic area

Setting premiums based on each member's individual medical exam

Setting premiums based on how long the group has been insured

100% Free - No Registration Required

California Health Insurance Practice Exam Free - 2026

California licenses more insurance producers than any other state, all regulated by the California Department of Insurance. Competition is real - use unlimited free practice with explanations to make sure you pass the first time. Access 252+ free Health Insurance questions with detailed explanations.

Exam quick facts. The California Health Insurance exam: 75 questions in 90 minutes; passing score 60%; exam fee $55; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

252+ Questions

Unlimited Practice

California Specific

How the California Health Insurance exam compares

The California Health exam is 75 questions, 90 minutes, a 60% cut score. The examination fee is $55.

That 60% pass mark is below the 70% most states use. The content outline is no shorter, so the margin is more forgiving - the material is not.

It is shorter than the typical Health exam of about 100 questions, so each item carries more weight.

California requires 12 hours of prelicensing education before you can take the exam.

Health Insurance questions reviewed by Jennifer Collins — Health & Accident, 9 years' experience, Columbus, OH. Last updated July 29, 2026

Figures above are taken from CDI - Examinations: Time Limit and Number of Questions (+ CDI fee schedule and AB 943 notice) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Choose Your Practice Mode

Mock Exam

Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

Quiz Mode

Practice with immediate feedback on each question

Instant feedback
See explanations
Track progress

Review Mode

Study all questions with answers visible

All answers shown
Full explanations
Study at your pace

Make Your Own Test

Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
5-150 questions, timed or untimed
Keeps your California selection

California Health Exam Info

Vendor: PSI
Questions: 75 questions (Accident & Health or Sickness Agent; pretest split not published)
Time limit: 90 minutes
Passing: 60%
Exam fee: $55
Prelicensing: 20-hour per-line prelicensing repealed effective Jan 1, 2026 (AB 943); 12 hours of Ethics & California Insurance Code study still required before license issuance

Verified July 2026 from the CDI - Examinations: Time Limit and Number of Questions (+ CDI fee schedule and AB 943 notice). Always confirm with the current official candidate handbook.

California Department of Insurance

More California Tests

Study Tip

Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.

California Health Insurance Exam Topics

Affordable Care Act

Coordination & Other Concepts

Disability Income Insurance

Ethics & Regulations

Field Underwriting & Applications

General Principles & Contract Law

Group Health Insurance

Health Insurance Basics

HIPAA & Privacy

Managed Care (HMO/PPO/POS)

Medical Expense Insurance

Medicare & Medicaid

Medicare Supplement & Advantage

Policy Provisions

Prescription Drug Coverage

State Health Programs

Taxation of Health Insurance

Types of Health Policies

Underwriting & Risk

Uniform Policy Provisions

State Insurance Law

Free California Health Practice Questions with Answers

12 sample questions from the 252-question Health bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Health questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in California

Prepare for multiple insurance licenses in California

Life Insurance

California Exam

Property & Casualty

California Exam

Health Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Oregon

Nevada

Arizona

Official California Insurance Resources

Important external links for California insurance licensing information

California Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

Ready to Start Practicing?

Choose a practice mode above and begin your free California Health Insurance exam preparation today.

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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

California Health Insurance Practice Exam Free - 2026

How the California Health Insurance exam compares

Choose Your Practice Mode

California Health Insurance Exam Topics

Free California Health Practice Questions with Answers

Question 1: Under California's time-limit-on-certain-defenses provision, after a disability policy has been in force for how long during the insured's lifetime does it become incontestable as to statements in the application?

Question 2: A California insurer sells a disability policy to a 70-year-old. What examination (free-look) period must the policy provide, and how quickly must premiums be refunded if it is returned?

Question 3: How long is the initial Medicare supplement open enrollment period in California, and when does it begin?

Question 4: A California insurer pays a producer for a Medicare supplement sale. What limit does the Insurance Code place on first-year compensation, and for how many renewal years must renewal compensation continue?

Question 5: What is a 'formulary' in health insurance?

Question 6: What is 'step therapy' in prescription drug coverage?

Question 7: What is 'long-term care' insurance?

Question 8: What are 'activities of daily living' (ADLs)?

Question 9: What is a 'benefit trigger' in long-term care insurance?

Question 10: What is 'mental health parity'?

Question 11: What is 'community rating' in health insurance?

Question 12: What is 'experience rating' in health insurance?

Frequently Asked Questions

How many questions are on the California Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the California insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in California

Health Insurance Exams in Nearby States

Official California Insurance Resources

Ready to Start Practicing?

Health practice tests by state