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Free Maryland Health Insurance Practice Exam Online

Official exam: Health Insurance Producer License (MD)

Take a free Maryland Health Insurance practice exam online: a full 33-question paper with every answer explained, no sign-up, scored by topic. The full 33-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 License (MD): a 33-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 33 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 Md. Code (61%) and COMAR (17%) of this exam's citations.

Take a full practice test free. 33 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
33
questions per paper
33
questions in the bank
What this exam covers
5 real sample questions
Within the 24-hour continuing education requirement, Maryland requires health producers to complete at least how many hours specifically in ethics?
A. 3 hours
B. 0 hours
C. 12 hours
D. 20 hours
Show answer and reasoning

Correct answer: A. 3 hours

Correct. COMAR 31.03.02 mandates at least 3 hours of ethics CE within each renewal period, regardless of line of authority.

  • B: Ethics CE is a mandatory component, not an optional zero-hour item.
  • C: 12 hours substantially overstates the dedicated ethics CE requirement.
  • D: 20 hours would consume nearly the entire 24-hour requirement, far exceeding the actual 3-hour ethics mandate.
Source: COMAR 31.03.02.03
Before accepting compensation for acting as a health insurance producer in Maryland, what must an individual first obtain from the Maryland Insurance Administration?
A. A producer license covering the health line of authority
B. A separate business entity registration only
C. A federal marketplace navigator certificate in place of a state license
D. A notarized letter of good standing from a prior employer
Show answer and reasoning

Correct answer: A. A producer license covering the health line of authority

Correct. Insurance Article § 10-103 requires a producer license in the applicable line, here health, before compensation may be accepted for acting as a producer.

  • B: Business entity registration is a separate requirement from, not a substitute for, the individual's own license.
  • C: A federal navigator certificate serves a different, more limited role and does not replace the state producer license requirement.
  • D: A prior employer's letter has no bearing on the statutory licensing requirement.
Source: Md. Code, Ins. § 10-103
Under Insurance Article § 10-105, an individual applying for a health insurance line of authority in Maryland must generally satisfy which requirement?
A. Successful completion of a Commissioner-approved program of studies, or an applicable experience exemption
B. Prior licensure as a registered nurse
C. A minimum of $1 million in personal liability coverage
D. Sponsorship by a hospital system
Show answer and reasoning

Correct answer: A. Successful completion of a Commissioner-approved program of studies, or an applicable experience exemption

Correct. § 10-105 requires applicants for life, health, and annuity lines to complete an approved program of studies (prelicensing education) unless exempted by qualifying experience.

  • B: A nursing license is not a prerequisite for a health insurance producer license.
  • C: Maryland producer licensing does not condition health line eligibility on personal liability coverage minimums.
  • D: Hospital sponsorship is not part of the statutory qualification scheme for health producer applicants.
Source: Md. Code, Ins. § 10-105
A Maryland health insurance producer license, once issued, remains valid for what standard term before renewal is required?
A. 2 years
B. 1 year
C. 4 years
D. Indefinitely, with no renewal required
Show answer and reasoning

Correct answer: A. 2 years

Correct. § 10-115 sets a 2-year renewal term for Maryland producer licenses, health included.

  • B: A 1-year term understates Maryland's statutory renewal cycle.
  • C: 4 years overstates Maryland's 2-year renewal cycle.
  • D: Maryland licenses are not perpetual; they must be renewed on the statutory cycle and CE completed.
Source: Md. Code, Ins. § 10-115
How many total continuing education hours must a Maryland health insurance producer generally complete per 2-year renewal period?
A. 24 hours
B. 6 hours
C. 50 hours
D. 18 hours
Show answer and reasoning

Correct answer: A. 24 hours

Correct. Under § 10-116 and COMAR 31.03.02, the standard CE requirement per renewal period is 24 hours, subject to the long-tenure exemption.

  • B: 6 hours understates Maryland's standard CE requirement.
  • C: 50 hours exceeds the statutory cap of 24 hours per renewal period.
  • D: 18 hours does not match Maryland's 24-hour standard CE requirement.
Source: Md. Code, Ins. § 10-116; COMAR 31.03.02.03
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (MD)May 2025$58,300/yr

Frequently asked questions

Where can I take a free Maryland Health Insurance practice exam online?
Right here. CertQuestUSA's free Maryland Health Insurance practice exam online is a full 33-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 33-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 (MD) practice test?
33 questions total, split into 3 full papers of 33 each with no repeats across papers.
What topics does the Health Insurance Producer License (MD) test cover?
10 domains, with the heaviest weight on Health Plan Types (27%), Mandated Benefits Federal (12%), and Health Underwriting (9%).
Where do CertQuestUSA's Health Insurance Producer License (MD) questions come from?
Primarily Md. Code (61%) and COMAR (17%) 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 (MD) practice test?
Yes -- one full 33-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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