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100+ Free Accident & Health Practice Questions

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Which of the following is the primary purpose of health insurance?

A
B
C
D
to track
2026 Statistics

Key Facts: Accident & Health Exam

100

Practice Questions

OpenExamPrep

70%

Passing Score

State requirement

30-50 hrs

Study Time

Recommended

20%

Health Insurance Basics

Largest section

$2,000

Part D OOP Cap (2025)

Inflation Reduction Act

$60,370

Median Agent Salary

BLS 2024

The Accident & Health exam typically has 100-150 questions, a 70% passing score, and a 2-hour time limit. Pearson VUE administers a national content outline covering health insurance basics (20%), medical expense (20%), disability (15%), group health (15%), Medicare/Medicaid/ACA (15%), long-term care (10%), and regulations (5%). Median health insurance agent salary is $60,370 (BLS 2024), and the Inflation Reduction Act's $2,000 Part D out-of-pocket cap takes effect in 2025.

Sample Accident & Health Practice Questions

Try these sample questions to test your Accident & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Which of the following is the primary purpose of health insurance?
A.To eliminate the risk of illness
B.To transfer the financial risk of medical expenses to an insurer
C.To guarantee a profit for the insured
D.To replace lost earnings during retirement
Explanation: Health insurance transfers the financial risk of medical expenses from the insured to the insurer in exchange for premium payments. Insurance does not eliminate the risk of illness, never guarantees a profit (that would violate the principle of indemnity), and is distinct from retirement income products like annuities.
2An insurable risk must meet several criteria. Which of the following is NOT a requirement of an insurable risk?
A.The loss must be due to chance
B.The loss must be definite and measurable
C.The loss must be intentionally caused
D.The loss must not be catastrophic to the insurer
Explanation: An insurable risk must be due to chance (accidental), not intentional. Intentional acts are excluded from coverage in virtually every health and disability policy. The other listed elements — definite, measurable, and non-catastrophic — are all standard insurability requirements along with statistical predictability.
3The principle that prevents an insured from profiting from a loss is known as:
A.Adhesion
B.Indemnity
C.Subrogation
D.Utmost good faith
Explanation: The principle of indemnity restores the insured to their financial position prior to the loss — no better, no worse. This prevents profiting from a covered event. Adhesion describes the take-it-or-leave-it nature of policy contracts, subrogation lets the insurer pursue third parties who caused a loss, and utmost good faith requires honesty from both parties.
4Which of the following best describes adverse selection?
A.When an insurer refuses to issue a policy to a healthy applicant
B.The tendency of higher-risk individuals to seek insurance more often than lower-risk individuals
C.When an insured selects a policy with the lowest premium
D.The insurer's selection of which claims to pay first
Explanation: Adverse selection is the tendency of those with greater-than-average loss exposure to seek insurance more eagerly than standard risks. Underwriting and waiting periods exist to control adverse selection. If unchecked, the risk pool would skew toward poor risks and threaten the insurer's solvency.
5Which underwriting source is governed by the Fair Credit Reporting Act (FCRA)?
A.The application
B.The Medical Information Bureau (MIB) report
C.An attending physician's statement
D.A paramedical exam
Explanation: Consumer reports such as the MIB report and inspection reports are regulated by the FCRA. The Act requires the insurer to notify the applicant when a consumer report is ordered and to disclose adverse underwriting decisions based on the report. The application, APS, and paramedical exams are not consumer reports under FCRA.
6The Medical Information Bureau (MIB) primarily exists to:
A.Pay medical claims for member companies
B.Provide a database of coded medical information to detect application fraud
C.Negotiate provider networks for HMOs
D.Set premium rates for member insurers
Explanation: The MIB is a nonprofit information exchange used by member life and health insurers to detect fraud or material misstatements on applications. It contains coded summaries — not full medical records — of conditions reported on prior applications. It does not pay claims, set rates, or negotiate networks.
7Which of the following individual health policy provisions limits how long an insurer can contest the policy for misstatements on the application?
A.Grace period
B.Time limit on certain defenses (incontestability)
C.Reinstatement
D.Entire contract
Explanation: Under the Uniform Individual Accident and Sickness Policy Provisions, the Time Limit on Certain Defenses (also called incontestability) bars the insurer from voiding a policy or denying a claim because of misstatements after the policy has been in force for two years (three years in some states), except for fraudulent misstatements where allowed.
8The standard grace period on an individual health insurance policy with monthly premiums is:
A.7 days
B.10 days
C.31 days
D.60 days
Explanation: Under the Uniform Individual Accident and Sickness Policy Provisions Law, monthly and longer-mode premiums have a 31-day grace period. Weekly premium policies use 7 days; quarterly and longer modes use 31 days. The grace period prevents lapse if the insured pays within the window.
9A policy is described as 'guaranteed renewable.' This means the insurer:
A.Cannot change the premium for any reason
B.May refuse to renew the policy at the end of any policy period
C.Must renew the policy until the insured reaches a stated age but may raise premiums by class
D.May cancel the policy at any time with 30 days' notice
Explanation: A guaranteed renewable policy obligates the insurer to renew until the policyholder reaches a stated age (often 65), but premiums may be increased on a class basis — never for an individual. Noncancelable policies, by contrast, lock in both renewal and the premium. Optionally renewable lets the insurer refuse renewal at the anniversary.
10Under the Notice of Claim provision in a health policy, written notice of claim must be given to the insurer within:
A.10 days after the loss
B.20 days after the loss or as soon as reasonably possible
C.60 days after the loss
D.90 days after the loss
Explanation: The Notice of Claim provision requires written notice within 20 days after the loss occurs or as soon as reasonably possible. Proof of Loss must be filed within 90 days. Claims are paid within a stated period after proof — typically 60 days for periodic disability benefits.

About the Accident & Health Exam

The Accident and Health insurance exam covers health insurance principles, medical expense plans (HMO, PPO, HDHP, POS), disability income insurance, group health, Medicare, Medicaid, ACA Marketplace, long-term care, and state regulations. This license is the entry point for Medicare-only producers, ACA Marketplace agents, and group health brokers.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$50-75 (State Insurance Commissioner)

Accident & Health Exam Content Outline

20%

Health Insurance Basics

Insurance principles, underwriting, MIB, UPPL provisions, deductibles, coinsurance, and cost-sharing

20%

Medical Expense Insurance

HMO, PPO, POS, EPO, HDHP, HSA/FSA/HRA, basic and major medical, COB, and ACA EHBs

15%

Disability Income Insurance

Own-occupation vs any-occupation, elimination and benefit periods, residual benefits, BOE, and SSDI

15%

Group Health Insurance

Group underwriting, contributory vs noncontributory plans, COBRA, HIPAA portability, and ERISA

15%

Medicare, Medicaid & ACA Marketplace

Medicare Parts A/B/C/D, Medigap, enrollment periods, Medicaid, premium tax credits, and metal tiers

10%

Long-Term Care Insurance

Tax-qualified LTC, ADL benefit triggers, levels of care, inflation protection, partnership programs

5%

Regulations & Ethics

Twisting, rebating, fiduciary duty, Medicare marketing rules, MHPAEA parity, and producer conduct

How to Pass the Accident & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 100 questions
  • Time limit: 2 hours
  • Exam fee: $50-75

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

Accident & Health Study Tips from Top Performers

1Memorize Medicare Parts A/B/C/D coverage and the IEP, AEP (Oct 15-Dec 7), and Medigap 6-month open enrollment windows
2Master COBRA continuation periods cold: 18 months (termination), 29 months (SSA disability), 36 months (divorce/death of employee)
3Know the IRS HSA/HDHP limits for the current year (2025: $4,300/$8,550 contribution, $1,650/$3,300 minimum deductible)
4Understand ACA fundamentals: 10 EHBs, dependent coverage to age 26, metal tiers (60/70/80/90), and Silver-tier CSRs at 100-250% FPL
5Distinguish prohibited practices: twisting (misrepresentation in replacement), rebating (gifts to induce purchase), and coercion

Frequently Asked Questions

What is the Accident & Health exam pass rate?

Accident and Health exam pass rates typically range from 65-80% depending on state and provider. States using more rigorous question banks see lower rates. Working through 100+ practice questions and consistently scoring 80% or higher dramatically improves your odds of passing on the first attempt.

How hard is the Accident & Health insurance exam?

The exam is moderately difficult. The trickiest sections are Medicare enrollment periods, COBRA continuation rules (18/29/36 months), and HSA/HDHP IRS limits that change annually. With 30-50 hours of focused study and plenty of practice questions, most candidates pass on their first attempt.

How many questions are on the Accident & Health exam?

Most state Accident & Health exams have 100-150 multiple-choice questions and run 2-3 hours. The passing score is generally 70% (about 70-105 correct depending on state). Pearson VUE and PSI both deliver the exam in different states using a national content outline.

What topics are covered on the Accident & Health exam?

The exam covers health insurance basics (20%), medical expense plans like HMO/PPO/HDHP (20%), disability income insurance (15%), group health (15%), Medicare/Medicaid/ACA Marketplace (15%), long-term care (10%), and regulations and ethics (5%). Focus heavily on policy provisions, Medicare parts, and COBRA.

How long should I study for the Accident & Health exam?

Plan for 30-50 hours of study over 3-5 weeks. Most states require 20-40 hours of pre-licensing education, depending on whether you take the combined Life & Health course or the standalone A&H option. Aim for 80%+ on practice exams before scheduling the real test.

What career paths does an Accident & Health license open?

An A&H license lets you sell Medicare Advantage, Medicare supplement, Part D, ACA Marketplace plans, group health, disability, and long-term care. Many producers pair it with AHIP certification for Medicare carriers. BLS reports a $60,370 median insurance agent salary with 47,000 annual job openings.