New York Health Insurance Practice Exam Free - 2026

• A. 18 months
• B. 36 months
• C. 12 months
• D. 29 months

Correct answer: B. 36 months

Explanation: New York guarantees a total of thirty-six months of continued group health coverage: an employee who exhausts 18 months of federal COBRA may continue under state continuation for 18 more, and those not subject to COBRA get the full 36 months of state continuation. See N.Y. Ins. Law 3221(m).

• A. 100%
• B. 150%
• C. 110%
• D. 102%

Correct answer: D. 102%

Explanation: Continued coverage under New York's state continuation law is provided at a cost to the member of no more than 102 percent of the actual group rate. See N.Y. Ins. Law 3221(m).

• A. Exactly 5 days
• B. Not less than 30 nor more than 60 days
• C. Not less than 10 nor more than 20 days
• D. Not less than 45 days

Correct answer: C. Not less than 10 nor more than 20 days

Explanation: The free-look period on a New York individual A&H policy must be not less than ten nor more than twenty days from delivery; mail-order, Medicare supplement and long-term care policies require thirty days. See N.Y. Ins. Law 3216(c)(10).

• A. 15 days
• B. 45 days
• C. 30 days
• D. 5 days

Correct answer: A. 15 days

Explanation: The insurer must furnish claim forms within fifteen days after notice of claim; if it fails to, the claimant may satisfy the proof-of-loss requirement with any written proof of the occurrence and extent of loss. See N.Y. Ins. Law 3216(d)(1)(F).

• A. The employer or sponsoring organization
• B. The hospital that treats the employee
• C. Every individual employee separately
• D. The state insurance exam vendor

Correct answer: A. The employer or sponsoring organization

Explanation: In group coverage, the employer or sponsoring organization commonly owns the master policy, while covered members receive certificates or coverage summaries.

• 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.