0.1 Current Exam Facts

Accident & Health Insurance License — Current Exam Facts

Quick Answer: The Accident & Health (A&H) insurance license is a state-administered producer exam delivered by Pearson VUE or PSI on a common national content outline. It runs roughly 100-150 multiple-choice questions over about 2 hours, requires a 70% passing score (varies by state), and costs around $50-75. Most candidates need 30-50 hours of focused study. The seven weighted domains are Health Insurance Basics 20%, Medical Expense 20%, Disability Income 15%, Group Health 15%, Medicare/Medicaid/ACA 15%, Long-Term Care 10%, and Regulations & Ethics 5%.

What the A&H License Is

The Accident & Health (A&H) insurance license is the producer (agent) credential that authorizes an individual to sell health, disability, Medicare supplement, and long-term-care insurance products to consumers and employer groups. Although the exam content is built on a common national content outline maintained by the insurance industry and exam vendors, the license itself is issued by each state's insurance department. That means the national content is identical across states using the same vendor, but the passing score, state-specific questions, pre-licensing education hours, and continuing education rules vary by jurisdiction.

A&H is one of several producer licenses in the life-health family (alongside Life, Life & Health, and Medicare-specific titles in some states). It is a single national license identity for the purposes of this study guide, even though you sit for it in a specific state. If you later move states, you generally use non-resident reciprocity rather than retesting, provided your home state license stays in good standing.

Exam Format at a Glance

The figures above are verified as of 2026-08-03 and reflect the common national outline. Always confirm your state's exact passing score, fee, and pre-licensing education requirement on your state insurance department's website before scheduling, because the state — not the vendor — sets those logistics.

The Seven Weighted Domains

The A&H exam is organized into seven content domains with fixed national weights. These weights drive how you should budget study time: a domain weighted 20% deserves roughly twice the attention of one weighted 10%.

The two largest domains (Health Insurance Basics + Medical Expense) together equal 40% of the exam. If you are short on time, mastering policy structure, cost-sharing mechanics, and the major medical plan types gives you the highest yield. The Regulations & Ethics domain is only 5%, but the prohibited-practices concepts (twisting, rebating, coercion, defamation) also appear embedded inside other domains, so do not skip ethics entirely.

"Varies by State" — What That Really Means

The phrase "varies by state" is the single most honest thing to internalize about A&H. Specifically:

• Passing score — most states use 70%, but some set 72% or 75%.
• Question count — the national outline yields ~100-150 questions; some states append a small block of state-law questions.
• Pre-licensing education hours — range from 0 (reciprocity) to 80+ hours depending on the state.
• Exam vendor — Pearson VUE in many states, PSI in others; the national content outline is the same but the scheduling portal differs.
• State-specific law — a handful of states add questions on their own insurance code (e.g., state-mandated benefits, replacement notices).

This guide covers the national content outline, which is the common core every A&H candidate must master regardless of state. Supplement with your state insurance department's candidate handbook for the state-specific add-ons.

How the Exam Is Scored

Each question is worth one point, with no penalty for wrong answers — so answer every question. A pilot (pretest) questions set is embedded unscored; you cannot tell which are scored, so treat every question as real. The 70% target is on the scored questions, not the raw count. With roughly 100-150 scored questions, a 70% bar means you need about 70-105 correct answers — a comfortable margin if you have practiced with a realistic question bank.

What Happens After You Pass

Passing earns your A&H producer license issued by your state insurance department, which lets you:

1. Solicit and sell health, disability, Medicare supplement, and LTC insurance.
2. Receive commissions on placed business.
3. Bind coverage under your appointing insurer(s).

You must then maintain the license through continuing education (typically 24-30 hours per renewal cycle, state-dependent) and renew on your state's schedule (often every 2 years). Many agents pair A&H with a Life license to sell the full life-health product suite.

Tips for Exam Day

• Budget ~1 minute per question; flag hard ones and return.
• Answer every question — no penalty for guessing.
• Read the full stem — A&H questions reward careful reading of qualifiers like "except," "not," and "all of the following."
• Watch for the "most correct" trap — two answers may look right; pick the one that is most complete and most specific.
• Use the 70% bar as a target, not a ceiling — aim higher in practice so exam-day variance does not sink you.

Official Resources

• Your state insurance department — the authoritative source for your exact passing score, fee, scheduling, and state-specific content.
• Pearson VUE Insurance (pearsonvue.com) — exam registration and candidate handbooks where Pearson is the vendor.
• PSI Exams (psiexams.com) — exam registration where PSI is the vendor.
• NAIC (naic.org) — model laws and consumer-facing summaries of the insurance concepts tested.
• CMS (cms.gov) — official Medicare Parts A-D figures and enrollment windows used throughout this guide.
• HealthCare.gov — official ACA Marketplace and Essential Health Benefits references.
• IRS (irs.gov) — annual HSA/HDHP limits and LTC per-diem figures.