Free Minnesota Accident & Health Insurance Practice Exam 2
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Minnesota insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
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Test 225 Questions
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Health InsuranceGroup Plans
Self-funded health plans are regulated by:
Health InsuranceLong-term Care
The elimination period in a long-term care insurance policy is:
Health InsuranceACA
The ACA's 'essential health benefits' (EHBs) include all of the following EXCEPT:
General InsuranceInsurance Marketplace
The McCarran-Ferguson Act (1945) established that:
Health InsuranceManaged Care
Which type of utilization review occurs before a medical service is provided, requiring approval from the managed care plan?
Minnesota Insurance Law & EthicsUnfair Trade Practices
Under Minnesota law, making false or incomplete comparisons of policy features to induce a client to drop their current insurance is:
General InsuranceContracts & Terminology
A void contract is one that:
Health InsuranceLong-Term Care Insurance
Long-Term Care (LTC) insurance is designed to provide coverage for:
Health InsuranceManaged Care
What distinguishes a closed panel provider network from an open panel provider network?
Health InsuranceHealth Insurance Basics
The 'birthday rule' applies to:
Health InsuranceManaged Care
A 'high-deductible health plan' (HDHP) for 2024 purposes has a minimum deductible of:
Health InsuranceLong-term Care
A long-term care insurance policy that guarantees premiums will never increase is called:
General InsuranceInsurance Marketplace
Which type of insurer is organized to provide insurance benefits to members of a specific religious or social organization?
Health InsuranceACA / PPACA
Under the ACA, a Bronze plan has an actuarial value of approximately 60%. This means that on average the enrollee is expected to pay what percentage of covered medical costs through cost-sharing?
Health InsuranceACA / PPACA
Under the ACA employer mandate, coverage is considered 'affordable' if the employee's required contribution for self-only coverage does not exceed approximately what percentage of their household income?
Health InsuranceLong-Term Care Insurance
Which of the following are considered Activities of Daily Living (ADLs)?
General InsuranceBasic Principles
Which of the following is an example of a speculative risk?
Health InsuranceACA / PPACA
An Applicable Large Employer fails to offer affordable, minimum value coverage to its full-time employees. Under the ACA employer mandate, what is the potential consequence?
Health InsuranceManaged Care
In a Point of Service (POS) plan, what happens when a member chooses to receive care from an out-of-network provider without a referral?
Health InsuranceACA / PPACA
Under the ACA's guaranteed issue provision for individual health insurance an insurer:
Minnesota Insurance Law & EthicsProducer Licensing
A temporary insurance producer license in Minnesota is valid for a maximum duration of:
Minnesota Insurance Law & EthicsGuaranty Association
The Minnesota Life and Health Insurance Guaranty Association limits its liability for life insurance death benefits on a single life to:
General InsuranceContracts & Terminology
A policy that is 'non-cancellable' means the insurer cannot:
Minnesota Insurance Law & EthicsGuaranty Association
Under the Minnesota Life and Health Insurance Guaranty Association, the total aggregate limit of liability for any one individual life is:
Minnesota Insurance Law & EthicsCommissioner Powers and Duties