Health Insurance Producer (California)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Health Insurance Producer (California): a 160-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (54%) and healthcare.gov (16%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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3

full papers, no repeats

50

questions per paper

160

questions in the bank

What this exam covers

Applications, Underwriting, Ethics, and Producer Responsibilities6%
Ca Cal Cobra Federal Extension2%
Ca Cal Cobra Supplement2%
Ca Covered California Certification3%
Ca Dmhc Cdi Dual Regulation3%
Ca Imr Grievance Process3%
Ca Individual Market Enrollment2%
Ca Mental Health Parity2%
Ca Producer Licensing Ce3%
Ca Rate Review3%
Ca Stldi Restriction2%
Disability Income and Related Coverages13%
Government Programs, LTC, Tax, and Consumer Accounts13%
Health Insurance Basics and Policy Types16%
Medical Expense, Managed Care, and Cost-Sharing16%
Policy Provisions, Renewability, Riders, and Exclusions16%

5 real sample questions

Which California Insurance Code section is the primary codification of the California Mental Health Parity Act as expanded by SB 855?

A. Cal. Ins. Code §10128.59

B. Cal. Ins. Code §10112.27

C. Cal. Ins. Code §1749.3

D. Cal. Ins. Code §10144.5

Source: Cal. Ins. Code §10144.5

Under California's Independent Medical Review (IMR) process for insureds of CDI-regulated health insurance policies, which Insurance Code sections govern the IMR procedure?

A. Cal. Ins. Code §1749.3

B. Cal. Ins. Code §§10169-10169.5

C. Cal. Ins. Code §10112.27

D. Cal. Ins. Code §10128.50

Source: Cal. Ins. Code §§10169-10169.5

Which California statute establishes the Knox-Keene Health Care Service Plan Act, which governs the licensing of HMOs and most managed care plans in the state?

A. California Health and Safety Code Section 1340 et seq.

B. California Insurance Code Section 10112.27

C. California Insurance Code Section 1749.3

D. California Health and Safety Code Section 1366.20

Source: Cal. Health & Safety Code §1340 et seq. (Knox-Keene Health Care Service Plan Act)

In California's dual health-coverage regulatory structure, which state agency has primary licensing authority over HMOs under the Knox-Keene Act?

A. The California Department of Insurance (CDI)

B. The Department of Managed Health Care (DMHC)

C. The Covered California Board

D. The Department of Consumer Affairs

Source: Cal. Health & Safety Code §1340 et seq.; DMHC Laws & Regulations (dmhc.ca.gov)

A California producer is placing a client into a traditional indemnity health insurance policy that reimburses medical costs rather than delivering care through a contracted provider network. Which state regulator has primary jurisdiction over that policy?

A. The Department of Managed Health Care (DMHC)

B. Both DMHC and CDI have equal, overlapping jurisdiction over every policy

C. The California Department of Insurance (CDI)

D. Neither agency regulates indemnity health policies in California

Source: Cal. Ins. Code (health insurer provisions); California Health Care Foundation, "Regulatory Oversight of Health Insurers" issue brief

Same exam, other states

AL AR AZ CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wage (CA)May 2025$76,120/yr

Frequently asked questions

How many questions are on the CertQuestUSA Health Insurance Producer (California) practice test?

160 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Health Insurance Producer (California) test cover?

16 domains, with the heaviest weight on Health Insurance Basics and Policy Types (16%), Medical Expense, Managed Care, and Cost-Sharing (16%), and Policy Provisions, Renewability, Riders, and Exclusions (16%).

Where do CertQuestUSA's Health Insurance Producer (California) questions come from?

Primarily content.naic.org (54%) and healthcare.gov (16%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Health Insurance Producer (California)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.