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.

A nonresident producer licensed in another state holds a Michigan nonresident health license. How is Michigan's continuing education requirement satisfied?

By satisfying the home state's continuing education requirements, if the home state extends the same reciprocal recognition to Michigan producers

By completing Michigan-approved courses in the full number of hours required of resident producers, since home-state credit is not recognized

By satisfying the home state's continuing education requirements, provided the producer also completes a separate Michigan-approved ethics course each licensing period

By completing half of the Michigan hours in Michigan-approved courses and the remainder under the home state's requirements

Which felony conviction is a ground for Michigan license discipline regardless of how long ago it occurred?

A felony involving violence or threat of violence against an individual, including domestic violence

Any felony, regardless of its nature or date, provided the conviction was not later expunged or set aside

A felony involving the sale of insurance without a license in Michigan or any other state

A felony committed while the person held an active producer license in Michigan or any other state

Under Michigan law, when does the Medicare supplement open enrollment period run, during which an insurer may not deny, condition, or price coverage based on health status?

The 6-month period beginning with the first month in which an individual age 65 or older enrolled for benefits under Medicare Part B

The 6-month period beginning with the first month in which an individual of any age first became entitled to benefits under Medicare Part A

The 12-month period beginning with the month in which an individual age 65 or older first became entitled to Medicare Part A

The 3-month period beginning with the month in which an individual age 65 or older first enrolled for benefits under Medicare Part B

What is the ACA's 'open enrollment period'?

The annual period when individuals can enroll in or change marketplace plans

The window after a qualifying life event when someone may enroll outside the normal season

The period each fall when Medicare beneficiaries may switch Advantage or drug plans

The first months after issue during which a plan may exclude pre-existing conditions

What is a 'special enrollment period' (SEP)?

A time outside open enrollment when someone can enroll due to a qualifying life event

A time each fall when anyone can enroll in or change a marketplace plan for the next year

A seven-month window around a person's 65th birthday for signing up for Medicare

A period during which a new employee must wait before group coverage takes effect

Federal law protecting health information privacy and insurance portability

Federal law creating the Health Insurance Marketplace and premium tax credits

Federal law allowing employees to continue group health coverage after leaving a job

Federal law requiring parity between mental health and medical benefits

What are 'unfair trade practices' in health insurance?

Illegal or unethical business practices prohibited by insurance regulations

Rating practices that charge higher premiums to groups with poor claims experience

Underwriting practices that classify applicants by legitimate risk factors such as age

Competitive practices such as offering lower premiums than rival insurers in the state

What is 'unfair discrimination' in insurance?

Treating similarly situated individuals differently based on prohibited factors

Charging different rates based on legitimate risk factors

Charging lower premiums than competing insurers

Offering different policy types

What is an agent's ethical duty of care when recommending coverage to a client?

An ethical obligation to recommend coverage that suits the client's needs

A fiduciary duty to hold the client's premium payments in a separate trust account

A legal obligation to recommend the policy that produces the highest commission

An obligation to recommend the plan with the broadest benefits regardless of cost

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

100% Free - No Registration Required

Michigan Health Insurance Practice Exam Free - 2026

Michigan licenses producers through DIFS with PSI-administered exams, and its distinctive no-fault auto history makes insurance knowledge especially valuable here. Prepare free with questions and explanations before you book. Access 252+ free Health Insurance questions with detailed explanations.

Exam quick facts. The Michigan Health Insurance exam: 100 questions in 120 minutes; passing score 76%; exam fee $41; administered by PSI; 40-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

252+ Questions

Unlimited Practice

Michigan Specific

How the Michigan Health Insurance exam compares

The Michigan Health exam is 100 questions, 120 minutes, a 76% cut score. The examination fee is $41.

At 76%, Michigan sets a higher bar than the 70% most states require, which leaves less room for error than candidates expect.

Michigan requires 40 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.

Because a large share of the real exam is Michigan law, this practice bank includes 12 questions written specifically on Michigan statutes and regulations, each citing the provision it comes from.

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

Figures above are taken from PSI Michigan Insurance Candidate Information Bulletin and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Sitting Michigan's combined Life, Accident & Health exam?

Instead of two separate exams, Michigan candidates can take the combined 16-80 Life, Accident & Health Producer exam through PSI: 150 questions, 2.5 hours, 75% cut score. Note the standalone Accident & Health exam actually has a higher bar (76%) - the toughest of Michigan's major producer lines - so the health material deserves the larger share of your study time either way.

Use this page for the accident & health half, pair it with the Michigan life practice test for the rest, or blend both lines in one custom session.

Michigan life insurance practice test

Build a mixed life + health session

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 Michigan selection

Michigan Health Exam Info

Vendor: PSI Services
Questions: 100 questions (plus 1-10 unscored experimental questions may be added)
Time limit: 120 minutes
Passing: 76% (cut score)
Exam fee: $41 examination fee
Prelicensing: 40 hours combined (20 per single line)

Verified July 2026 from the PSI Michigan Insurance Candidate Information Bulletin. Always confirm with the current official candidate handbook.

Michigan DIFS

More Michigan Tests

Study Tip

Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.

Michigan 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 Michigan 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 Michigan

Prepare for multiple insurance licenses in Michigan

Life Insurance

Michigan Exam

Property & Casualty

Michigan Exam

Health Insurance Exams in Nearby States

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

Ohio

Indiana

Wisconsin

Official Michigan Insurance Resources

Important external links for Michigan insurance licensing information

Michigan DIFS

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 Michigan Health Insurance exam preparation today.

Learn more about exam preparation:

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

Michigan Health Insurance Practice Exam Free - 2026

How the Michigan Health Insurance exam compares

Sitting Michigan's combined Life, Accident & Health exam?

Choose Your Practice Mode

Michigan Health Insurance Exam Topics

Free Michigan Health Practice Questions with Answers

Question 1: A nonresident producer licensed in another state holds a Michigan nonresident health license. How is Michigan's continuing education requirement satisfied?

Question 2: Which felony conviction is a ground for Michigan license discipline regardless of how long ago it occurred?

Question 3: How long must a Michigan Medicare supplement policy or certificate give the applicant to decide, without cost, whether to keep the coverage?

Question 4: Under Michigan law, when does the Medicare supplement open enrollment period run, during which an insurer may not deny, condition, or price coverage based on health status?

Question 5: What is the ACA's 'open enrollment period'?

Question 6: What is a 'special enrollment period' (SEP)?

Question 7: What is HIPAA?

Question 8: What are 'unfair trade practices' in health insurance?

Question 9: What is 'unfair discrimination' in insurance?

Question 10: What is an agent's ethical duty of care when recommending coverage to a client?

Question 11: What is a 'formulary' in health insurance?

Question 12: What is 'step therapy' in prescription drug coverage?

Frequently Asked Questions

How many questions are on the Michigan Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Michigan

Health Insurance Exams in Nearby States

Official Michigan Insurance Resources

Ready to Start Practicing?

Health practice tests by state