Free Oklahoma Health Insurance Practice Exam Online

Correct answer: B. The carrier must issue the health benefit plan to the eligible small employer

Correct. Under 36 O.S. § 6519's small employer framework, a small employer carrier must issue a plan to any eligible small employer that applies and agrees to pay the required premiums and meet reasonable plan provisions.

• A: Incorrect. Guaranteed issue for eligible small employers means the carrier cannot decline based on claims history once the employer meets the statutory conditions.
• C: Incorrect. Guaranteed issue for eligible small employers is not conditioned on individual employee medical underwriting.
• D: Incorrect. Small employer rating is subject to the statutory rating bands and rules, not unlimited carrier discretion.

Correct answer: A. No, Oklahoma has no formal pre-licensing education requirement for the health producer line, though study is strongly recommended

Correct. Oklahoma does not require formal pre-licensing education for most producer lines, including health, before taking the state exam; candidates are simply encouraged to study using the exam content outline or a prep course.

• B: Incorrect. Oklahoma does not mandate a set number of pre-licensing hours for most producer lines, including health.
• C: Incorrect. There is no 8-hour mandatory pre-licensing requirement for the health line either; Oklahoma's general rule is no mandated pre-licensing hours (bail bondsmen are the notable statutory exception).
• D: Incorrect. Oklahoma does not require an apprenticeship as a precondition to sitting for the health producer exam.

Correct answer: C. Online through the National Insurance Producer Registry (NIPR); OID does not accept paper applications

Correct. Oklahoma requires new license applications, including health producer applications, to be submitted online through NIPR, and it does not accept paper applications.

• A: Incorrect. OID's guidance is explicit that paper applications are not accepted; the process is online.
• B: Incorrect. Verbal applications by phone are not how OID processes new producer licenses.
• D: Incorrect. The individual applicant files their own license application; an appointing insurer's role comes after licensure, through appointment, not by filing the license application itself.

Correct answer: C. 24 hours total, including 3 hours of ethics and 2 hours of legislative update

Correct. Oklahoma requires 24 CE hours every 24 months, including 3 hours of ethics and 2 hours of legislative update, with the remaining hours as general producer credit.

• A: Incorrect. Ten hours understates Oklahoma's requirement, and the ethics and legislative-update components are mandatory, not absent.
• B: Incorrect. While some general hours may be taken in health topics, the rule does not require that all 24 hours be health-specific; ethics and legislative update are separately mandated regardless of line.
• D: Incorrect hour total and incorrect cycle; Oklahoma's CE cycle is every 24 months, not annually.

Correct answer: A. An association that has existed for at least 12 months, is organized and maintained in good faith for purposes other than obtaining insurance, and insures at least ten of its members or employees

Correct. Section 4501 recognizes qualifying associations, such as labor unions, that have existed at least 12 months, have a constitution and bylaws, are organized and maintained in good faith for purposes other than obtaining insurance, and insure at least ten members or employees, as eligible groups.

• B: Incorrect. A single individual is an individual market applicant, not a group under § 4501's eligible-group framework.
• C: Incorrect. An informal arrangement among a handful of friends does not meet the association, bylaws, and minimum-size criteria the statute sets out.
• D: Incorrect. Section 4501 specifically requires the association be organized and maintained in good faith for purposes other than obtaining insurance, so a group formed solely to get group rates would not qualify.