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.

How many questions are included in the practice tests?

We offer over 630 practice questions - 180 for Life, 180 for Health, and 270 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.

In a typical HMO plan, what is the main role of a primary care physician?

To act as the member's main doctor and coordinate care within the network

To set the insurance company's premiums

To sell supplemental disability insurance

To approve every life insurance beneficiary change

Which statement best describes a PPO?

It usually gives members more provider flexibility than an HMO

It never uses a provider network

It only pays benefits after retirement

A member in a gatekeeper-style HMO wants to see a specialist. What is commonly required first?

A referral from the primary care physician

A workers compensation claim form

Why do PPO plans often charge less when a member uses an in-network provider?

The provider has agreed to network terms or negotiated rates

The plan is actually a life annuity

The deductible is always illegal

What is a point-of-service plan designed to combine?

Managed-care features with some choice to use out-of-network providers

Life insurance and homeowners insurance

Only Medicare Part D and long-term care coverage

A fixed annuity and a disability waiver

What does a health plan's provider network usually refer to?

Doctors, hospitals, and providers that contract with the plan

The insured's list of beneficiaries

The tax schedule used for life insurance loans

The insurer's building-security system

What is a common result of using an out-of-network provider under many managed-care plans?

The member may pay higher out-of-pocket costs or receive reduced benefits

The plan always pays 100% with no deductible

The policy automatically becomes a group life contract

The insurer must waive every copayment

What is utilization review mainly used for in health insurance?

To review whether services are medically necessary or appropriate under the plan

To decide who receives a life insurance death benefit

To appraise a damaged automobile

To calculate a property deductible

Why should a candidate be careful with absolute statements about emergency care network rules?

Emergency-care protections and plan rules can vary, so the plan and applicable law should be checked

Emergency care is never covered by health insurance

Emergency care only applies to annuities

All plans use the exact same wording in every state

What is a deductible in a medical expense policy?

The amount the insured pays before the plan begins paying covered expenses

The amount paid only after the insured dies

A refund paid to every policyholder

A penalty for naming a beneficiary

What does coinsurance usually mean in health insurance?

The insured and insurer share covered costs by percentage after the deductible

Two insurers must issue the same policy

The insured pays no costs after application

100% Free - No Registration Required

Maryland Health Insurance Practice Exam Free - 2026

The Maryland Insurance Administration oversees one of the Mid-Atlantic's busiest licensing pipelines. From Baltimore to the DC suburbs, candidates use free practice here to pass on the first attempt. Access 180+ free Health Insurance questions with detailed explanations.

180+ Questions

Unlimited Practice

Maryland Specific

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
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Track progress

Review Mode

Study all questions with answers visible

All answers shown
Full explanations
Study at your pace

Maryland Health Exam Info

Vendor: Prometric
Questions: 90 total (80 scored + 10 unscored), Accident and Health or Sickness Producer, Series 20-24
Time limit: 105 minutes
Passing: 70% or higher
Exam fee: $62
Prelicensing: None - prelicensing education and experience requirements repealed per MIA Bulletin 24-19 (Repealing the Prelicensing Education and Experience Requirements)

Verified July 2026 from the Maryland Insurance Administration Licensing Information Bulletin + Prometric exam content outlines (Series 20-xx) + Prometric MD Insurance Exam FAQ. Always confirm with the current official candidate handbook.

Maryland Insurance Administration

More Maryland 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.

Maryland Health Insurance Exam Topics

Health Insurance Basics

Types of Health Policies

Policy Provisions

Disability Insurance

Medicare & Medicaid

Group Health Insurance

Affordable Care Act

Ethics & Regulations

Free Maryland Health Practice Questions with Answers

12 sample questions from the 180-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 Maryland

Prepare for multiple insurance licenses in Maryland

Life Insurance

Maryland Exam

Property & Casualty

Maryland Exam

Health Insurance Exams in Nearby States

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

Official Maryland Insurance Resources

Important external links for Maryland insurance licensing information

Maryland Insurance Administration

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 Maryland Health Insurance exam preparation today.

Learn more about exam preparation:

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

Maryland Health Insurance Practice Exam Free - 2026

Choose Your Practice Mode

Maryland Health Insurance Exam Topics

Free Maryland Health Practice Questions with Answers

Question 1: In a typical HMO plan, what is the main role of a primary care physician?

Question 2: Which statement best describes a PPO?

Question 3: A member in a gatekeeper-style HMO wants to see a specialist. What is commonly required first?

Question 4: Why do PPO plans often charge less when a member uses an in-network provider?

Question 5: What is a point-of-service plan designed to combine?

Question 6: What does a health plan's provider network usually refer to?

Question 7: What is a common result of using an out-of-network provider under many managed-care plans?

Question 8: What is utilization review mainly used for in health insurance?

Question 9: A plan requires approval before a nonemergency hospital admission. What is this requirement usually called?

Question 10: Why should a candidate be careful with absolute statements about emergency care network rules?

Question 11: What is a deductible in a medical expense policy?

Question 12: What does coinsurance usually mean in health insurance?

Frequently Asked Questions

How many questions are on the Maryland Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Maryland

Health Insurance Exams in Nearby States

Official Maryland Insurance Resources

Ready to Start Practicing?

Health practice tests by state