Free Nevada Accident & Health Insurance Practice Exam 3
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Nevada 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.
Study Hub & Practice Test Navigation
Practice Tests
Life & Annuities:
General Navigation
Interactive Practice Area
Select answers below to receive immediate score feedback.
Test 325 Questions
1/25
0%
Health Insurance3. Health Insurance
The ACA requires applicable large employers (ALEs) — those with 50 or more full-time employees — to:
Health Insurance3. Health Insurance
Under an HMO model, the 'gatekeeper' primary care physician (PCP) role is to:
Health Insurance3. Health Insurance
Under health insurance, an 'in-network' provider is one that:
Health Insurance3. Health Insurance
The 'elimination period' (waiting period) in health insurance serves to:
Health Insurance3. Health Insurance
The 'employer mandate' under the ACA applies to applicable large employers (ALEs). An ALE is a business with:
Health Insurance3. Health Insurance
Under Social Security Disability Insurance (SSDI), a person qualifies for benefits if they:
Health Insurance3. Health Insurance
The '5-year look-back period' associated with Medicaid and long-term care planning means:
Health Insurance3. Health Insurance
Medicare Advantage (Part C) plans must cover all of the following EXCEPT:
Health Insurance3. Health Insurance
Under the ACA, the 'actuarial value' of a Silver plan is approximately:
Health Insurance3. Health Insurance
A 'high-deductible health plan' (HDHP) for 2024 purposes has a minimum deductible of:
Health Insurance3. Health Insurance
A 'hospital confinement indemnity' policy pays:
Health Insurance3. Health Insurance
'Partial disability' benefits in a disability income policy are:
Health Insurance3. Health Insurance
Which Medicare supplement plan (Medigap) covers the Medicare Part A and Part B deductibles AND has been available to new beneficiaries since 2020?
Health Insurance3. Health Insurance
Under a Point-of-Service (POS) plan, the member avoids higher cost-sharing by:
Health Insurance3. Health Insurance
The 'late entrant' provision in group health insurance:
Health Insurance3. Health Insurance
The 'own occupation' definition of disability is considered the gold standard for professional disability coverage because:
Health Insurance3. Health Insurance
The 'primary care physician' (PCP) in a managed care plan typically serves as:
Health Insurance3. Health Insurance
Medicare Part B has a monthly premium that:
Health Insurance3. Health Insurance
The difference between 'copayment' and 'coinsurance' in health insurance is:
Health Insurance3. Health Insurance
A 'calendar-year deductible' in health insurance means:
Health Insurance3. Health Insurance
Under the ACA, what is the maximum ratio by which insurers can charge older adults more than younger adults for the same coverage?
Health Insurance3. Health Insurance
A 'fully insured' group health plan differs from a self-insured plan in that:
Health Insurance3. Health Insurance
'Elimination period' and 'benefit period' in disability income insurance work together as follows:
Health Insurance3. Health Insurance
The activities of daily living (ADLs) used as benefit triggers in long-term care policies include all of the following EXCEPT:
Health Insurance3. Health Insurance