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 1300 practice questions - 401 for Life, 400 for Health, and 534 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.

What is a 'premium tax credit'?

A subsidy to help eligible individuals afford Marketplace health insurance

A subsidy that lowers deductibles and copayments for eligible Silver plan enrollees

A tax deduction employers receive for paying premiums on group health coverage

A state tax levied on the premiums an insurer collects from its policyholders

What is 'cost-sharing reduction' (CSR)?

Subsidies that lower deductibles, copays, and out-of-pocket limits for eligible individuals

Subsidies that lower the monthly premium for eligible people buying Marketplace coverage

Provisions that let family members combine their deductibles under a single family limit

Negotiated discounts that reduce what a plan pays hospitals for covered inpatient services

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

A time outside open enrollment when qualifying life events allow health plan enrollment

A yearly window when anyone may enroll in or change Marketplace coverage without a life event

A seven-month window around a person's 65th birthday for enrolling in Medicare

A waiting period a new employee must complete before group health coverage begins

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 provide specialty treatment after the member obtains a referral from the plan

To review submitted claims and decide which charges are medically necessary

To treat the member for any condition outside the network at no added cost

Which statement best describes a PPO?

It usually gives members more provider flexibility than an HMO

It requires members to select a primary care gatekeeper for referrals

It generally pays nothing for care from an out-of-network provider

It pays providers a fixed monthly capitation fee per enrolled member

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

A referral from the primary care physician

Preauthorization from the state insurance department

Payment of the annual deductible in full

A second opinion from an out-of-network doctor

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 state requires in-network care to be free of any deductible

The provider is paid a capitation fee rather than billing for each visit

The member's premium is reduced each time an in-network provider is used

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

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

A high-deductible health plan with a tax-advantaged health savings account

Basic hospital coverage with a separate supplemental major medical policy

Group medical coverage with a disability income rider for the employee

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

Doctors, hospitals, and providers that contract with the plan

Doctors and hospitals the member has used in the past plan year

Employers and associations that sponsor the plan's group contracts

Licensed producers and agencies appointed to sell the plan's policies

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 member's coverage is canceled for violating the plan's network rules

The provider must accept the plan's in-network rate as payment in full

The member's out-of-pocket maximum is waived for the rest of the year

What is utilization review mainly used for in health insurance?

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

To determine whether an applicant is insurable before a policy is issued

To decide which of two plans pays first when a member has duplicate coverage

To calculate the premium rate an employer group will pay at its next annual renewal

100% Free - No Registration Required

New Hampshire Health Insurance Practice Exam Free - 2026

The New Hampshire Insurance Department licenses producers across the Granite State. Practice the national exam content free here, and review every explanation before test day. Access 300+ free Health Insurance questions with detailed explanations.

Exam quick facts. The New Hampshire Health Insurance exam: 100 questions in 120 minutes; passing score not published by the state; exam fee $59; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

300+ Questions

Unlimited Practice

New Hampshire Specific

How the New Hampshire Health Insurance exam compares

The New Hampshire Health exam is 100 questions, 120 minutes. The examination fee is $59.

New Hampshire requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

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

Figures above are taken from New Hampshire Insurance Department Licensing Examination Candidate Information Bulletin (PSI; vendor since 7/1/2025, linked from insurance.nh.gov) 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 New Hampshire selection

New Hampshire Health Exam Info

Vendor: PSI
Questions: Accident and Health: 100 items (Series 12-62); 5-10 unscored experimental questions may be added
Time limit: 120 minutes
Passing: Not published by the state - your score report shows pass/fail
Exam fee: $59
Prelicensing: None required. NH Insurance Department producer licensing page: prelicensing courses are optional study tools; the Department does not require or approve prelicensing education.

Verified July 2026 from the New Hampshire Insurance Department Licensing Examination Candidate Information Bulletin (PSI; vendor since 7/1/2025, linked from insurance.nh.gov). Always confirm with the current official candidate handbook.

New Hampshire Insurance Department

More New Hampshire Tests

Study Tip

Study the explanation, not the answer. The real exam words questions differently than any practice bank, so understanding why an answer is correct matters far more than memorizing which letter it was.

New Hampshire 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 New Hampshire Health Practice Questions with Answers

12 sample questions from the 300-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 New Hampshire

Prepare for multiple insurance licenses in New Hampshire

Life Insurance

New Hampshire Exam

Property & Casualty

New Hampshire Exam

Health Insurance Exams in Nearby States

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

Vermont

Maine

Massachusetts

Official New Hampshire Insurance Resources

Important external links for New Hampshire insurance licensing information

New Hampshire Insurance Department

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 New Hampshire Health Insurance exam preparation today.

Learn more about exam preparation:

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

New Hampshire Health Insurance Practice Exam Free - 2026

How the New Hampshire Health Insurance exam compares

Choose Your Practice Mode

New Hampshire Health Insurance Exam Topics

Free New Hampshire Health Practice Questions with Answers

Question 1: What is a 'premium tax credit'?

Question 2: What is 'cost-sharing reduction' (CSR)?

Question 3: What is a 'special enrollment period' (SEP)?

Question 4: In a typical HMO plan, what is the main role of a primary care physician?

Question 5: Which statement best describes a PPO?

Question 6: A member in a gatekeeper-style HMO wants to see a specialist. What is commonly required first?

Question 7: Why do PPO plans often charge less when a member uses an in-network provider?

Question 8: What is a point-of-service plan designed to combine?

Question 9: What does a health plan's provider network usually refer to?

Question 10: What is a common result of using an out-of-network provider under many managed-care plans?

Question 11: What is utilization review mainly used for in health insurance?

Question 12: A plan requires approval before a nonemergency hospital admission. What is this requirement usually called?

Frequently Asked Questions

How many questions are on the New Hampshire Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the New Hampshire insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in New Hampshire

Health Insurance Exams in Nearby States

Official New Hampshire Insurance Resources

Ready to Start Practicing?

Health practice tests by state