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.

A Pennsylvania insured whose health policy lapsed submits a reinstatement application and premium, and the insurer issues a conditional receipt. If the insurer neither approves nor disapproves, on what day is the policy reinstated?

The 45th day after the conditional receipt

The 30th day after the conditional receipt

The 60th day after the conditional receipt

The 10th day after the conditional receipt

What is a 'Health Savings Account' (HSA)?

A tax-advantaged account for medical expenses, paired with an HDHP

An employer-owned account funded solely by the employer to reimburse medical costs

An employer account whose unused balance is forfeited at the end of the plan year

A savings account available to people enrolled in a PPO plan rather than an HDHP

What is a 'Flexible Spending Account' (FSA)?

An employer-sponsored account for pre-tax medical expense savings with use-it-or-lose-it rules

A portable, individually owned account whose unused balance rolls over from year to year

An employer-funded reimbursement arrangement that employees cannot contribute to themselves

An account for medical expenses that can be opened by someone enrolled in a high deductible health plan

What is the 'elimination period' in health/disability insurance?

The waiting period before benefits begin after a covered event

The period after issue during which sickness claims are not covered

The period after a missed premium during which coverage stays in force

The maximum length of time benefits are paid for a single disability

What is 'coordination of benefits' (COB)?

Rules determining payment responsibility when the insured has multiple health plans

Rules requiring the insurer to be reimbursed by a third party who caused the loss

Rules requiring an employer and employees to share the cost of group premiums

Rules allowing the insurer to reduce benefits when the insured's earnings have changed

What is the 'benefit period' in health insurance?

The time during which benefits are provided for a covered event

The time the insured must wait after a loss before benefits are paid

The time after issue during which sickness is not covered

The time after a premium due date during which coverage continues

What is a 'guaranteed renewable' policy?

A policy the insurer must renew regardless of health changes

A policy the insurer may cancel at any time by returning unearned premium

A policy whose premium is locked in and cannot be raised by the insurer

A policy the insurer may decline to renew for reasons stated in the contract

What does 'noncancelable' mean in health insurance?

The insurer cannot cancel or raise premiums as long as premiums are paid

The insurer must renew the policy but may raise premiums for an entire class

The insurer may cancel mid-term as long as it refunds the unearned premium

The insured is locked into the contract and cannot drop coverage before it expires

What is 'subrogation' in health insurance?

The insurer's right to recover claim payments from a third party responsible for the loss

The insurer's right to reduce benefits when the insured is covered under another plan

The insured's right to transfer ownership of the policy to another person or entity

The insurer's right to examine the insured at its own expense while a claim is pending

100% Free - No Registration Required

Pennsylvania Health Insurance Practice Exam Free - 2026

From Philadelphia to Pittsburgh, the Pennsylvania Insurance Department runs one of the nation's largest licensing operations. Take free mock exams here until your practice scores clear the bar comfortably. Access 252+ free Health Insurance questions with detailed explanations.

Exam quick facts. The Pennsylvania Health Insurance exam: 100 questions in 120 minutes; passing score 70%; exam fee $45; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

252+ Questions

Unlimited Practice

Pennsylvania Specific

How the Pennsylvania Health Insurance exam compares

The Pennsylvania Health exam is 100 questions, 120 minutes, a 70% cut score. The examination fee is $45.00.

Pennsylvania 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 Pennsylvania Insurance Department Licensing Examination Candidate Information Booklet (PSI) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Choose Your Practice Mode

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Simulate the real exam experience with timed questions

Timed test
50-150 questions
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Pennsylvania Health Exam Info

Vendor: PSI
Questions: Accident and Health, Series 16-02: 100 questions
Time limit: 120 minutes
Passing: Minimum score of 70%
Exam fee: $45.00
Prelicensing: None listed. The booklet's licensure requirements are: pass the exam(s) and apply via Sircon/NIPR; no prelicensing education requirement appears (24 hours cited in the booklet is biennial continuing education, not prelicensing).

Verified July 2026 from the Pennsylvania Insurance Department Licensing Examination Candidate Information Booklet (PSI). Always confirm with the current official candidate handbook.

Pennsylvania Insurance Department

More Pennsylvania 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.

Pennsylvania 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 Pennsylvania 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 Pennsylvania

Prepare for multiple insurance licenses in Pennsylvania

Life Insurance

Pennsylvania Exam

Property & Casualty

Pennsylvania Exam

Health Insurance Exams in Nearby States

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

Official Pennsylvania Insurance Resources

Important external links for Pennsylvania insurance licensing information

Pennsylvania 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.

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Choose a practice mode above and begin your free Pennsylvania Health Insurance exam preparation today.

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

Pennsylvania Health Insurance Practice Exam Free - 2026

How the Pennsylvania Health Insurance exam compares

Choose Your Practice Mode

Pennsylvania Health Insurance Exam Topics

Free Pennsylvania Health Practice Questions with Answers

Question 1: A Pennsylvania insured whose health policy lapsed submits a reinstatement application and premium, and the insurer issues a conditional receipt. If the insurer neither approves nor disapproves, on what day is the policy reinstated?

Question 2: A Pennsylvania insured gives timely notice of claim under an individual health policy. Within how many days after receiving that notice must the insurer furnish claim forms before the claimant may submit written proof in any form?

Question 3: How long is the free-look period that Pennsylvania requires on the face of an individual accident and health policy?

Question 4: A Pennsylvania health policy requires an additional premium to cover a newborn child. Within how many days after birth may the policy require notice of the birth and payment of the premium for the coverage to continue?

Question 5: What is a 'Health Savings Account' (HSA)?

Question 6: What is a 'Flexible Spending Account' (FSA)?

Question 7: What is the 'elimination period' in health/disability insurance?

Question 8: What is 'coordination of benefits' (COB)?

Question 9: What is the 'benefit period' in health insurance?

Question 10: What is a 'guaranteed renewable' policy?

Question 11: What does 'noncancelable' mean in health insurance?

Question 12: What is 'subrogation' in health insurance?

Frequently Asked Questions

How many questions are on the Pennsylvania Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Pennsylvania

Health Insurance Exams in Nearby States

Official Pennsylvania Insurance Resources

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