Health Insurance Producer License (MN)

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

TL;DR

Health Insurance Producer License (MN): a 30-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 30 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 Minn. Stat. (47%) and Minn. Stat. ch. (42%) of this exam's citations.

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3

full papers, no repeats

30

questions per paper

30

questions in the bank

What this exam covers

Cobra Vs Mn Continuation Distinction3%
Coinsurance Vs Copay Vs Deductible3%
Coordination Of Benefits3%
Elimination Period Disability Income3%
Explanation Of Benefits3%
Guaranteed Renewability3%
Hipaa Portability Basics3%
Hsa Basics3%
Internal Grievance Process3%
Long Term Care Mn Partnership Inflation Protection3%
Long Term Care Partnership3%
Mental Health Parity3%
Misrepresentation In Health Application3%
Mn Continuation Coverage3%
Mn External Review Filing Fee3%
Mn External Review Right3%
Mn Hmo Regulation3%
Mn Medicare Supplement Standardization3%
Mn Producer License Lines Of Authority3%
Mn Small Employer Definition3%
Mn Small Employer Guaranteed Issue3%
Mn Utilization Review3%
Mnsure Marketplace3%
Network Adequacy3%
Pre Existing Condition Limits Post Aca3%
Prior Authorization3%
Producer Appointment Health3%
Producer License Ce Application Health3%
Special Enrollment Period3%
Unfair Claims Practices Health Application3%

5 real sample questions

Health maintenance organizations (HMOs) operating in Minnesota are primarily regulated under which chapter of Minnesota Statutes?

A. Chapter 62D, the Minnesota Health Maintenance Organization Act

B. Chapter 176, the Workers' Compensation Act

C. Chapter 65B, the No-Fault Automobile Insurance Act

D. Chapter 82, the real estate licensing chapter

Source: Minn. Stat. ch. 62D

Under Minn. Stat. § 60K.38, what does the accident and health/sickness line of authority permit a Minnesota producer to sell?

A. Coverage for sickness, bodily injury, or accidental death, which may include benefits for disability income

B. Only dental insurance, with all other health products under a separate line

C. Coverage for direct or consequential loss to property

D. Only Medicare Advantage plans, and no other individual health products

Source: Minn. Stat. § 60K.38

A Minnesota health plan enrollee receives an adverse determination (such as a denial based on medical necessity) after exhausting the health plan's internal appeal process. What right does Minn. Stat. § 62Q.73 provide?

A. No further review is available; the health plan's internal decision is always final

B. The enrollee may request an external review of the adverse determination, submitted to the appropriate commissioner, with an independent review entity evaluating the decision

C. The enrollee must file a lawsuit as the only available remedy

D. External review is available only for dental claims

Source: Minn. Stat. § 62Q.73

What is generally true about the filing fee associated with requesting an external review under Minn. Stat. § 62Q.73?

A. A modest filing fee (commonly $25) applies, which may be waived for financial hardship and must be refunded if the determination is completely reversed

B. The fee is always several thousand dollars, making external review impractical for most enrollees

C. There is no fee under any circumstance

D. The fee is paid entirely by the health plan company, never by the enrollee

Source: Minn. Stat. § 62Q.73

What is MNsure?

A. A Medicaid managed care organization operating only in the Twin Cities metro area

B. Minnesota's state-based health insurance marketplace/exchange, where individuals and small employers can compare and purchase qualified health plans and access premium tax credit eligibility determinations

C. A private health insurance company competing with all other insurers in Minnesota

D. A federal agency with no connection to Minnesota state government

Source: Minn. Stat. ch. 62V

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI 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 (MN)May 2025$78,640/yr

Frequently asked questions

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

30 questions total, split into 3 full papers of 30 each with no repeats across papers.

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

30 domains, with the heaviest weight on Cobra Vs Mn Continuation Distinction (3%), Coinsurance Vs Copay Vs Deductible (3%), and Coordination Of Benefits (3%).

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

Primarily Minn. Stat. (47%) and Minn. Stat. ch. (42%) 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 License (MN)?

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