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.

What does a drug tier usually affect?

The insured's cost-sharing for that medication

The length of a life insurance contestability period

The deductible for homeowners insurance

What is step therapy?

A rule requiring use of a preferred medication before coverage of another medication, when medically appropriate under plan rules

A rule limiting the quantity of a medication the plan will cover within a set number of days, regardless of the prescriber's instructions

A rule requiring the prescriber to obtain plan approval before a specialty medication is dispensed, renewed at each refill

A rule that gradually raises the member's copayment each time the same medication is refilled during the plan year

Why are exclusions important in a health insurance policy?

They identify services, conditions, or circumstances the policy does not cover

They list the services the policy covers in full without any cost-sharing

They set the maximum benefit the insurer will pay for each covered service

They describe the conditions the insured must meet before the insurer is obligated to pay a claim

What is the best first step when a health claim is denied?

Review the explanation of benefits and policy provisions to understand the reason for denial

File a lawsuit against the insurer immediately, since the legal actions provision starts running at denial

File a complaint with the state insurance department before contacting the insurer about the denial

Resubmit the same claim unchanged, since a second submission is reviewed by a different claims examiner

Under the entire contract provision of an individual accident and sickness policy, which documents together make up the whole agreement between the parties?

The policy plus any application attached to it when issued

The policy, the application, and any statements the producer made verbally at the point of sale

The policy alone, since the application is only a marketing record

The policy and the insurer's published underwriting manual

An insured's individual health policy has been in force for four years when the insurer discovers a non-fraudulent misstatement on the application. Under the time limit on certain defenses provision, what may the insurer generally do?

Nothing based on that misstatement, because the contestable window has closed

Rescind the policy back to its original issue date, since misstatements remain contestable

Reduce all future benefits proportionally, as it may for a misstatement of age

Void the policy but refund all premiums paid, since the error was not fraudulent

A lapsed individual health policy is reinstated on June 1. The insured is hospitalized on June 5 for an illness that began June 4. How is the claim generally treated under the reinstatement provision?

Denied, because sickness is covered only if it begins more than 10 days after the reinstatement date

Paid in full, because reinstatement restores coverage retroactively to the lapse date

Paid at 50 percent, because benefits under a reinstated policy phase in gradually over the first 30 days

Denied, because a reinstated policy excludes sickness for one year after the reinstatement date

100% Free - No Registration Required

New York Health Insurance Practice Exam Free - 2026

New York is the most demanding licensing state in the country, with the Department of Financial Services requiring more prelicensing study than almost anywhere else. Make those hours pay off with free exam-style practice. Access 252+ free Health Insurance questions with detailed explanations.

Exam quick facts. The New York Health Insurance exam: 100 questions in 120 minutes; passing score 70%; exam fee $40; administered by PSI; 90-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

252+ Questions

Unlimited Practice

New York Specific

How the New York Health Insurance exam compares

The New York Health exam is 100 questions, 120 minutes, a 70% cut score. The examination fee is $40.

New York requires 90 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.

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 New York Insurance Licensing Candidate Information Bulletin and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Sitting New York's 17-55 Life, Accident and Health exam?

PSI offers the combined Series 17-55 exam for candidates who want both lines: 150 items, 2.5 hours, 70% to pass, $40. About 37% of it is health content - basics, policy provisions, disability, medical plans, the Affordable Care Act, group and blanket coverage, government plans and senior coverage - which this bank drills.

Take the New York life practice test for the life sections, and read the combined-exam guide for the full outline.

New York life and health exam guide

New York life insurance practice test

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 York selection

New York Health Exam Info

Vendor: PSI Services
Questions: 100 questions (plus 5-10 unscored experimental questions may be added)
Time limit: 120 minutes
Passing: 70% correct to pass
Exam fee: $40 examination fee (Accident and Health Agent/Broker, Series 17-52)
Prelicensing: 90 hours for the Property/Casualty line

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

New York Department of Financial Services

More New York 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.

New York 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 York 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 New York

Prepare for multiple insurance licenses in New York

Life Insurance

New York Exam

Property & Casualty

New York Exam

Health Insurance Exams in Nearby States

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

Official New York Insurance Resources

Important external links for New York insurance licensing information

New York Department of Financial Services

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 York Health Insurance exam preparation today.

Learn more about exam preparation:

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

New York Health Insurance Practice Exam Free - 2026

How the New York Health Insurance exam compares

Sitting New York's 17-55 Life, Accident and Health exam?

Choose Your Practice Mode

New York Health Insurance Exam Topics

Free New York Health Practice Questions with Answers

Question 1: A New York employee loses group hospital and medical coverage when her employment ends. Within how many days after termination must she apply for a converted individual policy without evidence of insurability?

Question 2: New York requires individual health insurance contracts and small group contracts to be community rated. For policies issued or renewed on or after January 1, 2016, a small group is one covering how many employees or members?

Question 3: Under New York's long-term care insurance minimum standards (Regulation 62), a policy may exclude preexisting conditions for at most how long after the effective date of coverage?

Question 4: Under New York's Medicare supplement regulation, the policyholder must be given the right to return a Medicare supplement policy for a refund within how many days of delivery, and the policy may limit preexisting conditions for at most how long?

Question 5: What does a drug tier usually affect?

Question 6: What is step therapy?

Question 7: Why are exclusions important in a health insurance policy?

Question 8: What is the best first step when a health claim is denied?

Question 9: Under the entire contract provision of an individual accident and sickness policy, which documents together make up the whole agreement between the parties?

Question 10: An insured's individual health policy has been in force for four years when the insurer discovers a non-fraudulent misstatement on the application. Under the time limit on certain defenses provision, what may the insurer generally do?

Question 11: Under the uniform grace period provision, which premium mode is matched with the correct minimum grace period?

Question 12: A lapsed individual health policy is reinstated on June 1. The insured is hospitalized on June 5 for an illness that began June 4. How is the claim generally treated under the reinstatement provision?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in New York

Health Insurance Exams in Nearby States

Official New York Insurance Resources

Ready to Start Practicing?

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