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.

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

A fixed dollar amount the insured pays for a covered service

A premium paid by the insurance company

What is the purpose of an out-of-pocket maximum?

To limit the insured's covered cost sharing during a plan period

To increase the producer's commission

To remove all provider networks

To guarantee every service is covered without review

100% Free - No Registration Required

North Dakota Health Insurance Practice Exam Free - 2026

The North Dakota Insurance Department licenses producers across the state. Use these free practice tests with explanations to master the exam content before you schedule. Access 180+ free Health Insurance questions with detailed explanations.

180+ Questions

Unlimited Practice

North Dakota Specific

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Mock Exam

Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

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Instant feedback
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All answers shown
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North Dakota Health Exam Info

Vendor: PSI
Questions: Accident and Health (Product and Laws): 110 items; 5-10 unscored pretest items may be added
Time limit: 150 minutes
Passing: 70% (77 correct of 110)
Exam fee: $64
Prelicensing: None listed. The bulletin's licensing requirements contain no prelicensing education requirement (only product-specific training for LTC - 8 hrs - and annuity sales, which apply after/for those products, not for exam eligibility).

Verified July 2026 from the North Dakota Insurance Department Candidate Information Bulletin (PSI, 12/27/2024, hosted by insurance.nd.gov). Always confirm with the current official candidate handbook.

North Dakota Insurance Department

More North Dakota 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.

North Dakota 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 North Dakota 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 North Dakota

Prepare for multiple insurance licenses in North Dakota

Life Insurance

North Dakota Exam

Property & Casualty

North Dakota Exam

Health Insurance Exams in Nearby States

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

Montana

South Dakota

Minnesota

Official North Dakota Insurance Resources

Important external links for North Dakota insurance licensing information

North Dakota 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 North Dakota Health Insurance exam preparation today.

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

North Dakota Health Insurance Practice Exam Free - 2026

Choose Your Practice Mode

North Dakota Health Insurance Exam Topics

Free North Dakota Health Practice Questions with Answers

Question 1: A member in a gatekeeper-style HMO wants to see a specialist. What is commonly required first?

Question 2: Why do PPO plans often charge less when a member uses an in-network provider?

Question 3: What is a point-of-service plan designed to combine?

Question 4: What does a health plan's provider network usually refer to?

Question 5: What is a common result of using an out-of-network provider under many managed-care plans?

Question 6: What is utilization review mainly used for in health insurance?

Question 7: A plan requires approval before a nonemergency hospital admission. What is this requirement usually called?

Question 8: Why should a candidate be careful with absolute statements about emergency care network rules?

Question 9: What is a deductible in a medical expense policy?

Question 10: What does coinsurance usually mean in health insurance?

Question 11: What is a copayment?

Question 12: What is the purpose of an out-of-pocket maximum?

Frequently Asked Questions

How many questions are on the North Dakota Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the North Dakota insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in North Dakota

Health Insurance Exams in Nearby States

Official North Dakota Insurance Resources

Ready to Start Practicing?

Health practice tests by state