Official exam: Health Insurance Producer License (HI)
Take a free Hawaii Health Insurance practice exam online: a full 105-question paper with every answer explained, no sign-up, scored by topic. The full 105-question bank and the timed simulator are $14.99 for 30 days.
Health Insurance Producer License (HI): a 105-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 105 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 HRS (100%) of this exam's citations.
Built from the Hawaii Insurance Division's Accident & Health General Knowledge content outline and the Accident & Health-Hawaii Specific content outline (Pearson VUE Hawaii Insurance Content Outlines #121201, effective January 1, 2026), which govern the state-administered producer licensing exam for Hawaii health insurance producers. Domain weights are proportional to the scoreable-question counts Pearson publishes for each outline section.
Take a full practice test free. 105 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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Hawaii Laws and Rules Pertinent to Accident and Health Insurance Only14%
Hawaii Laws and Rules Common to Life, A&H, Property, Casualty, and Personal Lines27%
Other Insurance Concepts6%
Policy Provisions, Clauses, and Riders18%
Social Insurance (Medicare, Medicaid, Social Security)7%
Types of Policies (Disability Income, AD&D, Medical Expense)19%
5 real sample questions
The Hawaii Prepaid Health Care Act, found at HRS Title 21, Chapter 393, generally requires
A. employers to provide covered employees who work a specified minimum number of hours per week with prepaid group health coverage.
B. employees to individually purchase their own major medical policy.
C. only government employers to offer health coverage.
D. insurers to cap group premiums at a fixed statewide rate.
Show answer and reasoning
Correct answer: A. employers to provide covered employees who work a specified minimum number of hours per week with prepaid group health coverage.
Correct. Hawaii's Prepaid Health Care Act is a landmark state law requiring qualifying employers to provide group health coverage to eligible employees who meet minimum weekly work-hour thresholds.
B: The Act places the coverage obligation on qualifying employers, not on employees individually purchasing their own major medical policy.
C: The Act's employer mandate applies broadly to qualifying private employers, not solely to government employers.
D: The Act does not impose a single fixed statewide premium cap; it sets minimum coverage and eligibility standards for qualifying employer plans.
Source: Hawaii Prepaid Health Care Act, HRS Title 21, Chapter 393
Hawaii's Temporary Disability Insurance (TDI) law, HRS Title 21 Chapter 392, is designed to
A. replace a portion of wages for employees who are temporarily unable to work due to a non-work-related injury or sickness.
B. provide permanent disability benefits for life.
C. cover only work-related injuries, duplicating workers' compensation.
D. fund long-term care facility stays.
Show answer and reasoning
Correct answer: A. replace a portion of wages for employees who are temporarily unable to work due to a non-work-related injury or sickness.
Correct. Hawaii TDI provides partial wage replacement for employees temporarily disabled by a non-work-related injury or illness, for a limited statutory benefit period.
B: TDI is a short-term/temporary wage-replacement program, not a permanent, lifelong disability benefit.
C: Work-related injuries are the domain of workers' compensation (HRS Chapter 386); TDI specifically addresses non-work-related disabilities.
D: TDI addresses income replacement during temporary disability, not long-term custodial care facility costs.
Source: Hawaii Temporary Disability Insurance (TDI) law, HRS Title 21, Chapter 392
Hawaii's mandated benefit statutes for accident and health policies generally require that certain policies
A. exclude all coverage for mental health conditions.
B. include specified minimum benefits, such as particular mandated health coverages, as a condition of being sold in Hawaii.
C. have no minimum benefit standards at all.
D. be sold only by mutual insurers.
Show answer and reasoning
Correct answer: B. include specified minimum benefits, such as particular mandated health coverages, as a condition of being sold in Hawaii.
Correct. These statutes require that specified minimum benefits be built into applicable accident and health policies sold in Hawaii, protecting consumers from coverage gaps in defined areas.
A: Mandated benefit laws work in the opposite direction -- they require certain coverages be included, not universally excluded.
C: The entire purpose of a mandated benefit statute is to set minimum required coverage standards.
D: Mandated benefit requirements apply regardless of whether the insurer is organized as a stock or mutual company.
HRS § 431:10A-106(7), addressing cancellation, generally limits an insurer's ability to
A. cancel or nonrenew certain accident and health policies without following the statutory notice and permissible-reason requirements.
B. cancel a policy for nonpayment of premium under any circumstances.
C. ever nonrenew group coverage for any reason.
D. increase premiums upon renewal.
Show answer and reasoning
Correct answer: A. cancel or nonrenew certain accident and health policies without following the statutory notice and permissible-reason requirements.
Correct. This cancellation provision restricts an insurer's ability to cancel or nonrenew covered accident and health policies except in accordance with statutory notice requirements and permitted grounds.
B: Cancellation for nonpayment of premium is typically a permitted ground even under cancellation-restriction statutes, following proper notice.
C: The statute regulates, rather than absolutely forbids, nonrenewal; nonrenewal is possible for statutorily permitted reasons and proper notice.
D: Premium rate changes on renewal are a separate ratemaking topic, not what this cancellation provision restricts.
Source: HRS § 431:10A-106(7)
HRS § 431:10H-107, setting basic standards for long-term care (LTC) insurance in Hawaii, is intended primarily to
A. allow LTC policies to use unlimited, undefined preexisting condition exclusions.
B. establish minimum standards for policy provisions, disclosures, and consumer protections applicable to LTC insurance sold in the state.
C. exempt LTC insurers from any state oversight.
D. apply only to LTC policies sold to people under age 40.
Show answer and reasoning
Correct answer: B. establish minimum standards for policy provisions, disclosures, and consumer protections applicable to LTC insurance sold in the state.
Correct. HRS § 431:10H-107 sets baseline requirements for LTC policy provisions and consumer protections to ensure a minimum level of quality and disclosure in LTC contracts sold in Hawaii.
A: LTC basic-standards laws are specifically designed to limit and define preexisting condition exclusions, not leave them unlimited.
C: LTC insurers remain subject to state oversight under this and related sections of the LTC insurance article.
D: LTC insurance is typically marketed to and purchased by older adults; the basic standards law is not limited to applicants under 40.
Where can I take a free Hawaii Health Insurance practice exam online?
Right here. CertQuestUSA's free Hawaii Health Insurance practice exam online is a full 105-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 105-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 License (HI) practice test?
105 questions total, split into 3 full papers of 105 each with no repeats across papers.
What topics does the Health Insurance Producer License (HI) test cover?
7 domains, with the heaviest weight on Hawaii Laws and Rules Common to Life, A&H, Property, Casualty, and Personal Lines (27%), Types of Policies (Disability Income, AD&D, Medical Expense) (19%), and Policy Provisions, Clauses, and Riders (18%).
Where do CertQuestUSA's Health Insurance Producer License (HI) questions come from?
Primarily HRS (100%) 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 License (HI) practice test?
Yes -- one full 105-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.
