200+ Free RHU Practice Questions
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Key Facts: RHU Exam
65-75%
First-Time Pass Rate
Industry estimate
70%
Passing Score
105/150 questions
60-80 hrs
Study Time
Recommended
$300-400
Exam Fee
NAHU
150
Questions
3 hours
NAHU
Administrator
National Association of Health Underwriters
The RHU exam has an estimated 65-75% first-time pass rate. It requires 70% (105/150 questions) to pass in 3 hours. The exam covers health insurance basics, employee benefits (COBRA, Section 125, self-funded plans), ACA regulations (Essential Health Benefits, metal tiers), underwriting and risk assessment, and compliance (HIPAA Privacy/Portability, ERISA). Study time is 60-80 hours over 4-6 weeks.
About the RHU Exam
The RHU (Registered Health Underwriter) designation is a professional certification for health insurance underwriters, demonstrating expertise in health insurance products, employee benefits plans, ACA regulations, underwriting principles, and compliance/ethics.
Questions
150 scored questions
Time Limit
3 hours
Passing Score
70%
Exam Fee
$300-400 (National Association of Health Underwriters (NAHU))
RHU Exam Content Outline
Health Insurance Basics
Health insurance products, policy provisions, HSA/HSA-qualified plans, managed care, and cost-sharing mechanisms
Employee Benefits Plans
COBRA continuation coverage, Section 125 cafeteria plans, self-funded plans, stop-loss insurance, and employer-sponsored coverage
ACA Regulations
Affordable Care Act provisions, Essential Health Benefits, metal tiers (Bronze/Silver/Gold/Platinum), pre-existing conditions, and marketplace rules
Underwriting & Risk Assessment
Risk classification, adverse selection, underwriting principles, group vs individual underwriting, and actuarial concepts
Compliance, HIPAA & Ethics
HIPAA Privacy and Portability rules, ERISA requirements, ethical standards, and regulatory compliance for health underwriters
How to Pass the RHU Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 3 hours
- Exam fee: $300-400
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
RHU Study Tips from Top Performers
Frequently Asked Questions
What is the RHU designation?
The RHU (Registered Health Underwriter) is a professional designation awarded by the National Association of Health Underwriters (NAHU) that demonstrates expertise in health insurance products, employee benefits plans, and underwriting principles. It is recognized throughout the insurance industry as a mark of professional competence in health insurance.
What is the RHU exam pass rate?
The RHU exam has an estimated 65-75% first-time pass rate. The exam consists of 150 multiple-choice questions to be completed in 3 hours, with a passing score of 70% (105 correct answers). With proper preparation and 60-80 hours of study, most candidates can pass on their first attempt.
What topics are covered on the RHU exam?
The RHU exam covers five major content areas: (1) Health Insurance Basics (25%) - products, provisions, HSA plans; (2) Employee Benefits Plans (25%) - COBRA, Section 125, self-funded plans, stop-loss; (3) ACA Regulations (20%) - Essential Health Benefits, metal tiers, pre-existing conditions; (4) Underwriting & Risk Assessment (15%) - risk classification, adverse selection; (5) Compliance, HIPAA & Ethics (15%) - HIPAA Privacy/Portability, ERISA, ethics.
How hard is the RHU exam?
The RHU exam is moderately challenging. It requires understanding of complex health insurance concepts, employee benefits regulations, ACA provisions, and HIPAA compliance. Most candidates find the employee benefits and ACA sections the most challenging due to regulatory complexity. With 60-80 hours of study and plenty of practice questions, you can pass on your first attempt.
How long should I study for the RHU exam?
Plan for 60-80 hours of study over 4-6 weeks. Focus on understanding health insurance products, employee benefits regulations (COBRA, Section 125), ACA provisions, and HIPAA requirements. Complete at least 200 practice questions and aim to score 80%+ consistently on practice exams before scheduling your test.
Who should get the RHU designation?
The RHU designation is ideal for health insurance agents, brokers, underwriters, employee benefits specialists, and insurance professionals who work with employer-sponsored health plans. It demonstrates expertise to employers and clients in the complex field of health insurance and employee benefits.