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.

On what grounds may a Texas insurer cancel or nonrenew a Medicare supplement policy?

Nonpayment of premium or material misrepresentation only

Deterioration of the insured's health

The insured's claims exceeding a set dollar amount

Any reason with 30 days' written notice

What is a 'special enrollment period' (SEP)?

A time outside open enrollment when qualifying life events allow health plan enrollment

A yearly window when anyone may enroll in or change Marketplace coverage without a life event

A seven-month window around a person's 65th birthday for enrolling in Medicare

A waiting period a new employee must complete before group health coverage begins

In a typical HMO plan, what is the main role of a primary care physician?

To act as the member's main doctor and coordinate care within the network

To provide specialty treatment after the member obtains a referral from the plan

To review submitted claims and decide which charges are medically necessary

To treat the member for any condition outside the network at no added cost

Which statement best describes a PPO?

It usually gives members more provider flexibility than an HMO

It requires members to select a primary care gatekeeper for referrals

It generally pays nothing for care from an out-of-network provider

It pays providers a fixed monthly capitation fee per enrolled member

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

A referral from the primary care physician

Preauthorization from the state insurance department

Payment of the annual deductible in full

A second opinion from an out-of-network doctor

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 state requires in-network care to be free of any deductible

The provider is paid a capitation fee rather than billing for each visit

The member's premium is reduced each time an in-network provider is used

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

Managed-care features with some choice to use out-of-network providers

A high-deductible health plan with a tax-advantaged health savings account

Basic hospital coverage with a separate supplemental major medical policy

Group medical coverage with a disability income rider for the employee

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

Doctors, hospitals, and providers that contract with the plan

Doctors and hospitals the member has used in the past plan year

Employers and associations that sponsor the plan's group contracts

Licensed producers and agencies appointed to sell the plan's policies

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 member's coverage is canceled for violating the plan's network rules

The provider must accept the plan's in-network rate as payment in full

The member's out-of-pocket maximum is waived for the rest of the year

100% Free - No Registration Required

Texas Health Insurance Practice Exam Free - 2026

Texas licenses more new insurance producers than almost any state, all through the Texas Department of Insurance. Stand out by preparing properly: free mock exams, topic quizzes, and explanations on every question. Access 252+ free Health Insurance questions with detailed explanations.

Exam quick facts. The Texas Health Insurance exam: 145 questions (130 scored) in 150 minutes; passing score 70 (scaled); exam fee $49; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

252+ Questions

Unlimited Practice

Texas Specific

How the Texas Health Insurance exam compares

The Texas Health exam is 145 questions, 150 minutes. The examination fee is $49.

It is one of the longer Health exams in the country; the typical Health exam runs about 100 questions.

Texas 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 Texas Insurance Licensing Candidate Handbook, October 2024 (#124400), Pearson VUE, with content outlines effective December 1, 2025 (#124401) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Texas Health producer exam: general and state parts

Texas splits the Health Insurance licensing exam into a general (national) part and a state-specific part on Texas law: Texas has no standalone health-only producer exam; Accident & Health authority is tested via the General Lines - Life, Accident & Health exam: 100 scored + 10 pretest (L&H general knowledge) plus 30 scored + 5 pretest (Texas state-specific) = 130 scored + 15 pretest. Time limit: 150 minutes. Passing: 70 scaled score (0-100 scale). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Texas's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Texas Department of Insurance.

The Texas health exam is the Life, Accident and Health exam

There is no standalone Texas health exam. Candidates who want Accident & Health authority sit the General Lines - Life, Accident and Health exam: 100 general questions and 30 Texas-law questions (plus 15 unscored pretest items) in 150 minutes, with a scaled passing score of 70.

Roughly half of that exam is life insurance content, which this health bank does not cover. Drill the health half here, take the Texas life practice test for the rest, and use the combined-exam guide for the outline weights.

Texas life and health exam guide

Texas 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 Texas selection

Texas Health Exam Info

Vendor: Pearson VUE
Questions: Texas has no standalone health-only producer exam; Accident & Health authority is tested via the General Lines - Life, Accident & Health exam: 100 scored + 10 pretest (L&H general knowledge) plus 30 scored + 5 pretest (Texas state-specific) = 130 scored + 15 pretest
Time limit: 150 minutes
Passing: 70 scaled score (0-100 scale)
Exam fee: $49 (InsTX-LAH05)
Prelicensing: None. Texas has no prelicensing education hours requirement; the handbook's general license requirements list only age 18+, passing the exam, application with fee, and fingerprint receipt.

Verified July 2026 from the Texas Insurance Licensing Candidate Handbook, October 2024 (#124400), Pearson VUE, with content outlines effective December 1, 2025 (#124401). Always confirm with the current official candidate handbook.

Texas Department of Insurance

More Texas 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.

Texas 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 Texas 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 Texas

Prepare for multiple insurance licenses in Texas

Life Insurance

Texas Exam

Property & Casualty

Texas Exam

Health Insurance Exams in Nearby States

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

Official Texas Insurance Resources

Important external links for Texas insurance licensing information

Texas 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 Texas Health Insurance exam preparation today.

Learn more about exam preparation:

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

Texas Health Insurance Practice Exam Free - 2026

How the Texas Health Insurance exam compares

The Texas Health producer exam: general and state parts

The Texas health exam is the Life, Accident and Health exam

Choose Your Practice Mode

Texas Health Insurance Exam Topics

Free Texas Health Practice Questions with Answers

Question 1: Under the definition of dependent in Texas Insurance Code Chapter 1551, an unmarried child qualifies as a dependent until reaching what age?

Question 2: Texas law requiring group health plans to cover chemical dependency treatment limits that coverage to a lifetime maximum of how many separate treatment series per covered person?

Question 3: A Texas Medicare supplement policy may not exclude or limit benefits for a preexisting condition once losses are incurred more than how long after the effective date of coverage?

Question 4: On what grounds may a Texas insurer cancel or nonrenew a Medicare supplement policy?

Question 5: What is a 'special enrollment period' (SEP)?

Question 6: In a typical HMO plan, what is the main role of a primary care physician?

Question 7: Which statement best describes a PPO?

Question 8: A member in a gatekeeper-style HMO wants to see a specialist. What is commonly required first?

Question 9: Why do PPO plans often charge less when a member uses an in-network provider?

Question 10: What is a point-of-service plan designed to combine?

Question 11: What does a health plan's provider network usually refer to?

Question 12: What is a common result of using an out-of-network provider under many managed-care plans?

Frequently Asked Questions

How many questions are on the Texas Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Is the Texas Health Insurance producer exam one test or two?

Other Insurance Exams in Texas

Health Insurance Exams in Nearby States

Official Texas Insurance Resources

Ready to Start Practicing?

Health practice tests by state