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Free Texas Health Insurance Practice Exam Online

Official exam: Health Insurance Producer (Texas)

Take a free Texas Health Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 185-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 (Texas): a 185-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 (45%) and Tex. Ins. Code (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.
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3
full papers, no repeats
50
questions per paper
185
questions in the bank
What this exam covers
5 real sample questions
Under §1301.103, an insurer must determine whether a non-electronically (paper) submitted clean claim from a preferred provider is payable within:
A. 45 days
B. 30 days
C. 90 days
D. 60 days
Show answer and reasoning

Correct answer: A. 45 days

  • B: 30 days is the electronic-submission deadline, not the paper-submission deadline.
  • C: 90 days exceeds the statutory paper-claim determination deadline.
  • D: 60 days is not the statutory figure specified for paper clean claims.
Source: Tex. Ins. Code §1301.103
Under §1301.104, a non-electronically submitted pharmacy claim must be paid, once affirmatively adjudicated, within:
A. 45 days
B. 21 days
C. 30 days
D. 10 days
Show answer and reasoning

Correct answer: B. 21 days

  • A: 45 days is the general non-electronic clean claim determination deadline, not the pharmacy claim payment deadline.
  • C: 30 days is the general electronic clean claim determination deadline, not the pharmacy claim payment deadline.
  • D: 10 days is shorter than the statutory pharmacy claim payment deadline.
Source: Tex. Ins. Code §1301.104
When an insurer subject to the Texas Prompt Pay Act fails to pay a clean claim within the applicable statutory deadline, the statute imposes, in addition to the claim amount, a penalty plus interest calculated at an annual rate of:
A. 6%
B. 10%
C. 18%
D. 25%
Show answer and reasoning

Correct answer: C. 18%

  • A: 6% is below the statutory penalty interest rate.
  • B: 10% is below the statutory penalty interest rate.
  • D: 25% exceeds the statutory penalty interest rate.
Source: Tex. Ins. Code §1301.137
Which single state agency has regulatory jurisdiction over both HMOs and traditional (indemnity/PPO) health insurers in Texas?
A. Texas Department of Insurance (TDI)
B. Texas Department of Managed Health Care
C. Texas Health and Human Services Commission
D. Office of Public Insurance Counsel
Show answer and reasoning

Correct answer: A. Texas Department of Insurance (TDI)

  • B: Texas has no Department of Managed Health Care; that dual-agency model exists in California, not Texas.
  • C: HHSC administers Medicaid/CHIP eligibility and social services, not insurance producer or HMO licensing/solvency regulation.
  • D: OPIC is a consumer advocacy office that represents insurance consumers before TDI; it does not itself regulate HMOs or insurers.
Source: Tex. Ins. Code Ch. 843; TDI organizational authority
A Texas health insurance producer accustomed to California's dual DMHC/CDI managed-care regulatory split should understand that in Texas:
A. HMOs are regulated by a separate Texas Department of Managed Health Care while TDI regulates only indemnity plans
B. TDI regulates both HMOs (under Ch. 843) and traditional insurers within one agency
C. HMOs in Texas are unregulated at the state level and overseen only by CMS
D. HMO regulation in Texas is delegated to county insurance boards
Show answer and reasoning

Correct answer: B. TDI regulates both HMOs (under Ch. 843) and traditional insurers within one agency

  • A: Texas never created a separate managed-care agency comparable to California's DMHC.
  • C: TDI actively regulates HMO licensure, solvency, and market conduct under Ch. 843; HMOs are not left to federal oversight alone.
  • D: Texas has no county-level insurance regulatory boards; TDI is a single statewide agency.
Source: Tex. Ins. Code Ch. 843
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (TX)May 2025$51,180/yr

Frequently asked questions

Where can I take a free Texas Health Insurance practice exam online?
Right here. CertQuestUSA's free Texas 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 185-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 (Texas) practice test?
185 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Health Insurance Producer (Texas) test cover?
19 domains, with the heaviest weight on Health Insurance Basics and Policy Types (14%), Medical Expense, Managed Care, and Cost-Sharing (14%), and Policy Provisions, Renewability, Riders, and Exclusions (14%).
Where do CertQuestUSA's Health Insurance Producer (Texas) questions come from?
Primarily content.naic.org (45%) and Tex. Ins. Code (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 (Texas) 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.
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