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Free California Health Insurance Practice Exam Online

Official exam: Health Insurance Producer (California)

Take a free California Health Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 160-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
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 written to the regulation it comes from.

Where these questions come from

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

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score 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
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
Show answer and reasoning

Correct answer: D. Cal. Ins. Code §10144.5

  • A: Section 10128.59 addresses Cal-COBRA extension after exhaustion of federal COBRA, not mental health parity.
  • B: Section 10112.27 governs individual market enrollment periods, not mental health parity.
  • C: Section 1749.3 governs continuing education, not mental health parity.
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
Show answer and reasoning

Correct answer: B. Cal. Ins. Code §§10169-10169.5

  • A: Section 1749.3 governs continuing education, not the IMR process.
  • C: Section 10112.27 governs individual market enrollment periods, not IMR.
  • D: Section 10128.50 begins the Cal-COBRA article for insurance policies, not the IMR provisions.
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
Show answer and reasoning

Correct answer: A. California Health and Safety Code Section 1340 et seq.

  • B: Insurance Code Section 10112.27 governs individual health benefit plan open enrollment periods, not Knox-Keene licensing.
  • C: Insurance Code Section 1749.3 sets continuing education requirements for accident and health agents, unrelated to Knox-Keene.
  • D: Health and Safety Code Section 1366.20 begins the California COBRA (Cal-COBRA) article, a separate part of the Health and Safety Code.
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
Show answer and reasoning

Correct answer: B. The Department of Managed Health Care (DMHC)

  • A: CDI licenses producers and regulates traditional indemnity insurance policies and some PPO products under the Insurance Code, but HMOs are licensed under Knox-Keene by DMHC, not CDI.
  • C: Covered California is the state's ACA exchange; it certifies plans and agents to sell through the exchange but is not the Knox-Keene licensing regulator.
  • D: The Department of Consumer Affairs licenses many professions in California but has no role in Knox-Keene health plan licensing.
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
Show answer and reasoning

Correct answer: C. The California Department of Insurance (CDI)

  • A: DMHC's Knox-Keene authority covers HMOs and most managed-care service plans, not indemnity insurance policies regulated under the Insurance Code.
  • B: California's system splits jurisdiction by product type rather than applying both regulators equally to every policy.
  • D: CDI regulates indemnity and traditional PPO insurance products under the Insurance Code; the product type is not unregulated.
Source: Cal. Ins. Code (health insurer provisions); California Health Care Foundation, "Regulatory Oversight of Health Insurers" issue brief
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (CA)May 2025$76,120/yr

Frequently asked questions

Where can I take a free California Health Insurance practice exam online?
Right here. CertQuestUSA's free California Health Insurance practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 160-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
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 Health Insurance Producer (California) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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