CertQuestUSA
Transportation70+AK/AL/AR +moreConstruction & Safety39+CAEnvironmental99+AL/AR/AZ +moreHealthcare & Clinical196+AL/AR/AZ +moreProfessional Licensing307+AL/AR/AZ +moreEducation & Teacher Certification24+CAAviation & FAA Certification9Finance & Securities Licensing23IT & Cloud Certification6Project Management1Military Entrance Testing1View all sectors ›

Free New York Health Insurance Practice Exam Online

Official exam: Health Insurance Producer (New York)

Take a free New York Health Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 156-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 (New York): a 156-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.
Start diagnostic
Want the whole bank for Health Insurance Producer (New York)? One payment of $14.99 gives you 30 days of full access to this exam. It does not renew. No account needed to buy, and there is a 7-day money-back guarantee.
Not ready yet? Take the free practice test first.
Ways to pay for the full bank
30-day pass
$14.99
about $15 a month
This exam only. Pays once, does not renew.
Monthly
$19.99
$19.99 a month
Every exam. Cancel any time.
Yearly
$143.93
about $11.99 a month
Every exam. Billed once a year.
Lifetime
$39.99
pay once
This exam only, no time limit.

See all plans and bundles

3
full papers, no repeats
50
questions per paper
156
questions in the bank
What this exam covers
5 real sample questions
Which agency currently regulates health insurance producers and health insurance products in New York State?
A. The NY Department of Financial Services (DFS)
B. The NY Department of Health
C. The NY Department of State
D. The NY Insurance Department
Show answer and reasoning

Correct answer: A. The NY Department of Financial Services (DFS)

Correct. DFS absorbed the former NY Insurance Department's functions in 2011 and now licenses producers and regulates insurance products statewide.

  • B: Incorrect. The NY Department of Health administers Medicaid, Child Health Plus, and public health programs, but it does not license insurance producers or regulate insurance rates and forms.
  • C: Incorrect. The NY Department of State licenses various professions (e.g., real estate) but has no jurisdiction over insurance producer licensing or insurance product regulation.
  • D: Incorrect. The NY Insurance Department was dissolved when its functions were merged into DFS in 2011; it no longer exists as a standalone agency.
Source: NY Financial Services Law (Ch. 62 of Laws of 2011); DFS successor agency
In what year did the former NY Insurance Department merge into the newly created Department of Financial Services?
A. 2010
B. 2011
C. 2013
D. 2014
Show answer and reasoning

Correct answer: B. 2011

Correct. Governor Cuomo signed the merger into law on March 31, 2011, and DFS formally took over Insurance and Banking Department functions on October 3, 2011.

  • A: Incorrect. The merger legislation was signed in 2011, not 2010.
  • C: Incorrect. 2013 is when NY State of Health's marketplace became operational for coverage shopping, not when DFS was created.
  • D: Incorrect. 2014 is when ACA marketplace coverage first took effect nationally, not the DFS merger date.
Source: NY Financial Services Law, 2011 merger legislation (effective October 3, 2011)
Along with the Insurance Department, which other former state agency's functions were absorbed into DFS in the 2011 merger?
A. The NY Department of Health
B. The NY Department of State
C. The NY Banking Department
D. The NY Department of Taxation and Finance
Show answer and reasoning

Correct answer: C. The NY Banking Department

Correct. DFS was created by combining the NY Insurance Department and the NY Banking Department into a single financial services regulator.

  • A: Incorrect. The Department of Health was not part of the 2011 merger; it remains a separate agency overseeing public health and Medicaid.
  • B: Incorrect. The Department of State was not merged into DFS.
  • D: Incorrect. The Department of Taxation and Finance is a separate agency and was not part of the DFS merger.
Source: NY Financial Services Law, 2011 merger legislation
Who heads the Department of Financial Services and holds authority to approve or reject health insurance premium rate filings in New York?
A. The Commissioner of Health
B. The Attorney General
C. The State Comptroller
D. The Superintendent of Financial Services
Show answer and reasoning

Correct answer: D. The Superintendent of Financial Services

Correct. The Superintendent of Financial Services leads DFS and has statutory authority over insurer rate filings, licensing, and market conduct in New York.

  • A: Incorrect. The Commissioner of Health oversees the Department of Health, not DFS or insurance rate approval.
  • B: Incorrect. The Attorney General enforces state law generally and can pursue insurance fraud, but rate-filing review authority sits with DFS leadership, not this office.
  • C: Incorrect. The Comptroller audits state finances and manages the state pension fund; this office does not approve insurance rates.
Source: NY Financial Services Law § 102
Each year, health insurers doing business in New York submit which type of filing to DFS, which DFS can approve, reduce, or reject?
A. Premium rate filings
B. Marketing budgets
C. Producer commission schedules
D. Claims adjuster license renewals
Show answer and reasoning

Correct answer: A. Premium rate filings

Correct. DFS conducts an annual prior-approval review of individual and small group premium rate filings, evaluating claims data, administrative costs, and market trends before approving, reducing, or rejecting requested increases.

  • B: Incorrect. DFS does not require or review insurer marketing budgets as part of the rate filing process.
  • C: Incorrect. Producer commission schedules are a business decision of the insurer and are not the subject of the annual rate-filing review.
  • D: Incorrect. Claims adjuster licensing is a separate producer/adjuster licensing function, not part of the premium rate-filing review.
Source: DFS annual rate review process, NY Insurance Law Art. 32
Same exam, other states
ALARAZCACOCTDCFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSNCNENHNJNMNVOHOKORPASCTNTXUTVAWAWIWV
Real-world data for this exam
Insurance Sales Agents: real median wage (NY)May 2025$78,110/yr

Frequently asked questions

Where can I take a free New York Health Insurance practice exam online?
Right here. CertQuestUSA's free New York 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 156-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 (New York) practice test?
156 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Health Insurance Producer (New York) test cover?
12 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 (New York) 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 (New York) 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.
Composing your paper...