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Free Florida Health Insurance Practice Exam Online

Official exam: Health Insurance Producer (Florida)

Take a free Florida Health Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 167-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 (Florida): a 167-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 (50%) and Fla. Stat. (23%) 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
167
questions in the bank
What this exam covers
5 real sample questions
Under §627.6692, during the additional disability extension period, up to what percentage of the group rate may the carrier charge?
A. 150 percent
B. 200 percent
C. 115 percent
D. 125 percent
Show answer and reasoning

Correct answer: A. 150 percent

  • B: 200 percent exceeds the cap actually set by the statute for the disability extension.
  • C: 115 percent is the cap for the standard, non-disability continuation period.
  • D: 125 percent does not match the figure specified for the disability extension.
Source: Fla. Stat. §627.6692(5)(c)
Under §641.511, an HMO grievance may be extended to a maximum of how many days if it involves the collection of information from outside the HMO's service area?
A. 75 days
B. 90 days
C. 120 days
D. 60 days
Show answer and reasoning

Correct answer: B. 90 days

  • A: 75 days does not match the statutory extended deadline.
  • C: 120 days overstates the maximum extension provided by the statute.
  • D: 60 days is the standard deadline, not the extended timeframe for out-of-service-area information gathering.
Source: Fla. Stat. §641.511(5)
Under §627.6692, within how many days after a qualifying event must a qualified beneficiary generally notify the carrier to preserve continuation rights?
A. 30 days
B. 63 days
C. 90 days
D. 14 days
Show answer and reasoning

Correct answer: B. 63 days

  • A: 30 days is the election-period deadline once the beneficiary receives notice from the carrier, a separate step.
  • C: 90 days does not match the notice deadline set in this statute.
  • D: 14 days is the deadline for the carrier's response after receiving notice, not the beneficiary's notice deadline.
Source: Fla. Stat. §627.6692(5)(d)(1)
Under §627.6692, what is the maximum premium a carrier may charge for standard (non-disability) continuation coverage, as a percentage of the applicable premium?
A. 102 percent
B. 115 percent
C. 150 percent
D. 100 percent
Show answer and reasoning

Correct answer: B. 115 percent

  • A: 102 percent is the cap used in federal COBRA, not the figure set in Florida's state continuation statute.
  • C: 150 percent is the cap that applies specifically to the disability extension period, not the standard continuation period.
  • D: 100 percent is the federal COBRA baseline reference point, not Florida's statutory cap.
Source: Fla. Stat. §627.6692(5)(f)
Which Florida agency has primary regulatory authority over health maintenance organizations (HMOs) under Chapter 641, Florida Statutes, including issuing a Certificate of Authority?
A. The Department of Financial Services (DFS)
B. The Office of Insurance Regulation (OIR)
C. The Agency for Health Care Administration (AHCA) acting alone
D. The Florida Healthy Kids Corporation
Show answer and reasoning

Correct answer: B. The Office of Insurance Regulation (OIR)

  • A: DFS licenses individual insurance producers and handles consumer complaints, but it does not issue a Certificate of Authority to HMOs.
  • C: AHCA plays a role in Medicaid HMO contracting and some health facility matters, but the Certificate of Authority for a Chapter 641 HMO is issued by OIR.
  • D: Florida Healthy Kids is a state-sponsored children's health plan corporation, not a regulator of HMO certificates of authority.
Source: Fla. Stat. Ch. 641, Part I
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (FL)May 2025$59,790/yr

Frequently asked questions

Where can I take a free Florida Health Insurance practice exam online?
Right here. CertQuestUSA's free Florida 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 167-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 (Florida) practice test?
167 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Health Insurance Producer (Florida) test cover?
14 domains, with the heaviest weight on Health Insurance Basics and Policy Types (15%), Medical Expense, Managed Care, and Cost-Sharing (15%), and Policy Provisions, Renewability, Riders, and Exclusions (15%).
Where do CertQuestUSA's Health Insurance Producer (Florida) questions come from?
Primarily content.naic.org (50%) and Fla. Stat. (23%) 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 (Florida) 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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