Florida Health Insurance Practice Exam Free - 2026

• A. Age 21
• B. Age 19
• C. Age 25
• D. Age 26

Correct answer: C. Age 25

Explanation: Section 627.6562's own wording sets age 25 for a child who is dependent on the policyholder AND either lives in the policyholder's household or is a full-time or part-time student. Know the distinction: federal law is broader - the Affordable Care Act separately requires most plans to cover adult children until age 26 regardless of residence, student status, or dependency - and Florida additionally requires insurers to OFFER coverage to age 30. See Fla. Stat. § 627.6562.

• A. Employed full-time and living at home
• B. Enrolled in graduate school and under age 28
• C. Married but financially dependent on the parent
• D. Unmarried with no dependents, and a Florida resident or a student

Correct answer: D. Unmarried with no dependents, and a Florida resident or a student

Explanation: Insurers must offer the option to cover a child until the end of the calendar year in which the child reaches age 30 if the child is unmarried and has no dependents, is a Florida resident or a full-time or part-time student, and has no other health coverage or Medicare. See Fla. Stat. § 627.6562.

• A. 30 days
• B. 10 days
• C. 14 days
• D. 21 days

Correct answer: A. 30 days

Explanation: Every Florida Medicare supplement policy must contain a prominently displayed no-loss cancellation clause allowing the applicant to return the policy within 30 days after receiving it and get a full refund of any premium paid. See Fla. Stat. § 627.674.

• A. After a 31-day enrollment period
• B. From the moment of birth
• C. When the insurer approves the added dependent
• D. On the first premium due date after birth

Correct answer: B. From the moment of birth

Explanation: Florida health policies must cover a newborn child of the insured from the moment of birth, including congenital defects and prematurity. A policy may require notice of the birth, but the notice period may not be less than 30 days, and timely notice within 60 days preserves coverage. See Fla. Stat. § 627.6575.

• A. An individually owned contract the member keeps on leaving the group
• B. A summary of the member's benefits and coverage under the group policy
• C. A copy of the master policy with the member named as the policyholder
• D. A guarantee of conversion to a group plan at a different employer

Correct answer: B. A summary of the member's benefits and coverage under the group policy

Explanation: Group members commonly receive certificates or summaries that explain their benefits under the master group policy.

• A. To limit the window in which an eligible employee may enroll without underwriting
• B. To delay coverage for preexisting conditions during the first policy year
• C. To define when a new employee or member may become eligible for coverage
• D. To allow the insurer to underwrite each employee before the group is issued

Correct answer: C. To define when a new employee or member may become eligible for coverage

Explanation: A probationary or waiting period is the length of service a newly hired employee must complete before becoming eligible for group coverage, which discourages enrolling workers who leave quickly. It is distinct from the eligibility or enrollment period, which is the limited window, commonly 31 days, during which a newly eligible employee may enroll without providing evidence of insurability.

• A. The provider network pays claims directly without an insurer
• B. No one pays any premium
• C. Only the insurer pays the premium
• D. Covered employees pay part of the premium

Correct answer: D. Covered employees pay part of the premium

Explanation: A contributory plan requires covered employees to contribute toward the cost of coverage, while a noncontributory plan is fully paid by the employer or sponsor.

• A. Allow certain qualified beneficiaries to continue group health coverage for a limited time after qualifying events
• B. Require employers to keep paying the full premium for former employees who lost coverage due to a qualifying event
• C. Convert group coverage into a permanent individual policy that the former employee keeps for life at group rates
• D. Provide free state-funded health coverage to any worker who is laid off until new employment is found

Correct answer: A. Allow certain qualified beneficiaries to continue group health coverage for a limited time after qualifying events

Explanation: COBRA generally allows eligible people to continue group health coverage temporarily after qualifying events, subject to federal rules and plan requirements.

• A. To combine the deductibles of two plans into a single higher family deductible
• B. To determine payment order when a person is covered by more than one plan
• C. To require a spouse's plan to pay first whenever both spouses are employed
• D. To allow the insured to collect full benefits from each plan for the same expense

Correct answer: B. To determine payment order when a person is covered by more than one plan

Explanation: Coordination of benefits helps prevent duplicate overpayment and determines how multiple health plans share payment responsibility.

• A. A covered person may keep the same group rates after leaving by paying the employer's share of premium
• B. A covered person must pass new medical underwriting to obtain coverage after group coverage ends
• C. A covered person may change to individual coverage when group coverage ends, if policy terms allow
• D. A covered person may transfer group coverage to a new employer's plan without a waiting period

Correct answer: C. A covered person may change to individual coverage when group coverage ends, if policy terms allow

Explanation: A conversion privilege may allow a person losing group coverage to obtain individual coverage without the same underwriting process, subject to plan and legal requirements.

• A. Prescription-only insurance
• B. Dental-only insurance
• C. Homeowners liability insurance
• D. Hospital insurance

Correct answer: D. Hospital insurance

Explanation: Medicare Part A is commonly described as hospital insurance, though exact benefits, costs, and eligibility should be verified through official Medicare resources.

• A. Medical insurance for services such as doctor visits and outpatient care
• B. Hospital insurance for inpatient stays and skilled nursing facility care
• C. Prescription drug coverage offered through private plans approved by Medicare
• D. Private-plan coverage that bundles hospital, medical, and drug benefits together

Correct answer: A. Medical insurance for services such as doctor visits and outpatient care

Explanation: Medicare Part B is commonly described as medical insurance for certain doctor, outpatient, and related services, subject to official program rules.