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.

In Ohio, who conducts an external review of a final adverse benefit determination made by a health plan issuer?

An accredited independent review organization

A hearing examiner appointed by the superintendent of insurance

A peer review panel selected by the health plan issuer

The Ohio Life and Health Insurance Guaranty Association

Under Ohio's health plan appeals law, what is a final adverse benefit determination?

An adverse benefit determination upheld at the completion of the issuer's internal appeals process

Any decision to deny payment for an out-of-network service

A determination that has been reviewed and reversed by an independent review organization

The issuer's first written denial of a requested health care service

Which of the following is included in Ohio's statutory definition of a Medicare supplement policy?

A subscriber contract of a health insuring corporation marketed primarily to supplement Medicare reimbursements

A long-term care policy marketed to persons enrolled in Medicare Part B to cover custodial nursing home care

A Medicare Advantage plan under contract with Medicare that replaces original Medicare hospital and medical coverage

A group disability income policy designed to supplement Social Security disability benefits for persons over 65

Ohio's Medicare supplement rule requires an issuer to accept an application without denial or health-status discrimination during an open enrollment period. That period is six months beginning with the first day of the first month in which the individual is:

Both sixty-five years of age or older and enrolled for benefits under Medicare Part B

Sixty-five years of age or older, whether or not the individual has enrolled in Medicare

Enrolled for benefits under Medicare Part A, whether or not the individual has reached sixty-five

Retired and no longer eligible for coverage under an employer-sponsored group health plan

Which benefit is part of the core package that every standardized Medicare Supplement plan must include?

Hospitalization coinsurance for Part A plus coverage of an additional 365 lifetime hospital days after Medicare benefits end

The Medicare Part A hospital deductible for each benefit period, which every standardized plan letter must pay in full

Skilled nursing facility coinsurance for days 21 through 100, paid in full by every standardized plan letter

Coverage of the Medicare Part B annual deductible, which every standardized plan sold since Part D began must include

When does the Medicare Supplement open enrollment period begin, and how long does it last?

It is a six-month period beginning with the first month the individual is both age 65 or older and enrolled in Medicare Part B

It is a six-month period beginning with the first month the individual is entitled to Medicare Part A, whether or not enrolled in Part B

It is a seven-month period that begins three months before the month the individual turns 65 and ends three months after

It is a three-month period beginning the month the individual first enrolls in Medicare Part B, whether before or after age 65

A Medigap insurer wants to apply a preexisting condition waiting period to a new policyholder. Which statement is correct?

The waiting period is capped at six months and must be reduced by the applicant's prior creditable coverage

The waiting period is capped at twelve months and may not be reduced by any prior coverage the applicant held

The waiting period may not exceed six months, but it applies in full regardless of the applicant's prior coverage

The waiting period may be applied only to applicants who enroll outside the six-month open enrollment period

Which statement best describes a Medicare Advantage plan?

A private plan under contract with Medicare that delivers the beneficiary's Part A and Part B benefits, often through a managed care network and frequently with extra benefits

A private supplemental policy sold alongside Original Medicare by private insurers that pays the deductibles and coinsurance left behind by Part A and Part B, using a standardized plan letter

A federal program administered directly by CMS that pays the beneficiary's Part A and Part B cost sharing in exchange for using a managed care network of providers

A savings account the beneficiary funds with pretax contributions to pay Part A and Part B premiums, with the federal government matching each contribution

A client enrolled in a Medicare Advantage plan asks a producer to sell her a Medicare Supplement policy to fill in her plan's copayments. What is the correct response?

Explain that a Medigap policy cannot pay benefits alongside a Medicare Advantage plan, so selling one for that purpose is prohibited

Sell it, because Medigap coordinates with any form of Medicare coverage and will pay the plan's copayments as secondary coverage

Sell it, provided she signs a statement acknowledging that the Medigap policy will pay only after her Medicare Advantage plan pays

Sell it only if her Medicare Advantage plan does not include Part D drug coverage, since a Medigap policy may not duplicate outpatient drug benefits

A producer learns that a prospect already owns a Medicare Supplement policy and intends to keep it. Selling a second Medigap policy in this situation is:

Prohibited, because knowingly selling duplicate Medicare Supplement coverage is an unfair trade practice

Permitted, because Medicare Supplement policies coordinate benefits with each other like group health plans

Permitted if the prospect signs a written statement acknowledging that the coverage will be duplicated

Prohibited only if the second policy carries the same plan letter as the policy the prospect intends to keep

Coverage of Medicare Part B excess charges is a feature found only in a limited number of Medigap plan letters. What is a Part B excess charge?

The amount a nonparticipating provider may bill above the Medicare-approved amount

The portion of the Medicare-approved amount that remains after Part B pays its 80 percent share

The amount a beneficiary pays above the standard Part B premium because of higher income

The surcharge added to the Part B premium for each year the beneficiary delayed enrollment

Medigap Plans K and L differ structurally from most other lettered plans in what way?

They pay a stated percentage of certain cost-sharing items and include an annual out-of-pocket limit, after which they pay covered costs in full for the rest of the year

They pay all Medicare cost-sharing items in full but impose an annual benefit maximum, after which the beneficiary must pay all covered costs personally for the rest of the calendar year

They are high deductible versions of Plans F and G, paying nothing until the beneficiary has met a deductible that is set each year by Medicare

They are Medicare SELECT plans that pay full benefits only when the beneficiary uses network hospitals and providers selected by the insurer

100% Free - No Registration Required

Ohio Health Insurance Practice Exam Free - 2026

Columbus, Cleveland, and Cincinnati anchor a major insurance employment market regulated by the Ohio Department of Insurance. Ohio's PSI exams are very passable with preparation - start with a free mock exam now. Access 254+ free Health Insurance questions with detailed explanations.

Exam quick facts. The Ohio Health Insurance exam: 100 questions in 120 minutes; passing score 70%; exam fee $49; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

254+ Questions

Unlimited Practice

Ohio Specific

How the Ohio Health Insurance exam compares

The Ohio Health exam is 100 questions, 120 minutes, a 70% cut score. The examination fee is $49.

Ohio requires 20 hours of prelicensing education before you can take the exam.

Because a large share of the real exam is Ohio law, this practice bank includes 14 questions written specifically on Ohio 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 Ohio Department of Insurance Agent Licensing Candidate Handbook (updated 3/20/2025) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Preparing for Ohio's combined Life, Accident & Health exam?

Many Ohio candidates sit the combined Series 11-35 exam rather than two separate tests: 150 questions in 2.5 hours through PSI, with the usual 70% passing score. Roughly half of that exam is life insurance content - policies, riders, annuities, and tax rules - which this health bank does not cover.

Drill the health half here, then use the Ohio life practice test for the other half, or combine topics from both lines in a single custom session before test day.

Ohio life insurance practice test

Ohio life and health exam guide

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 Ohio selection

Ohio Health Exam Info

Vendor: PSI Services
Questions: 100 questions (plus ~10% unscored experimental items may be added)
Time limit: 120 minutes
Passing: 70% minimum passing score
Exam fee: $49 examination fee
Prelicensing: 20 hours per major line (40 for both)

Verified July 2026 from the Ohio Department of Insurance Agent Licensing Candidate Handbook (updated 3/20/2025). Always confirm with the current official candidate handbook.

Ohio Department of Insurance

More Ohio Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Ohio 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 Ohio Health Practice Questions with Answers

12 sample questions from the 254-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 Ohio

Prepare for multiple insurance licenses in Ohio

Life Insurance

Ohio Exam

Property & Casualty

Ohio Exam

Health Insurance Exams in Nearby States

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

Official Ohio Insurance Resources

Important external links for Ohio insurance licensing information

Ohio Department of Insurance

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 Ohio Health Insurance exam preparation today.

Learn more about exam preparation:

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

Ohio Health Insurance Practice Exam Free - 2026

How the Ohio Health Insurance exam compares

Preparing for Ohio's combined Life, Accident & Health exam?

Choose Your Practice Mode

Ohio Health Insurance Exam Topics

Free Ohio Health Practice Questions with Answers

Question 1: In Ohio, who conducts an external review of a final adverse benefit determination made by a health plan issuer?

Question 2: Under Ohio's health plan appeals law, what is a final adverse benefit determination?

Question 3: Which of the following is included in Ohio's statutory definition of a Medicare supplement policy?

Question 4: Ohio's Medicare supplement rule requires an issuer to accept an application without denial or health-status discrimination during an open enrollment period. That period is six months beginning with the first day of the first month in which the individual is:

Question 5: Which benefit is part of the core package that every standardized Medicare Supplement plan must include?

Question 6: When does the Medicare Supplement open enrollment period begin, and how long does it last?

Question 7: A Medigap insurer wants to apply a preexisting condition waiting period to a new policyholder. Which statement is correct?

Question 8: Which statement best describes a Medicare Advantage plan?

Question 9: A client enrolled in a Medicare Advantage plan asks a producer to sell her a Medicare Supplement policy to fill in her plan's copayments. What is the correct response?

Question 10: A producer learns that a prospect already owns a Medicare Supplement policy and intends to keep it. Selling a second Medigap policy in this situation is:

Question 11: Coverage of Medicare Part B excess charges is a feature found only in a limited number of Medigap plan letters. What is a Part B excess charge?

Question 12: Medigap Plans K and L differ structurally from most other lettered plans in what way?

Frequently Asked Questions

How many questions are on the Ohio Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Ohio

Health Insurance Exams in Nearby States

Official Ohio Insurance Resources

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