Free Wisconsin Health Insurance Practice Exam Online

Correct answer: B. Accident and Health or Sickness (also called Disability Insurance)

Correct. Wisconsin designates the line of authority covering health, sickness, and disability-related products as 'Accident and Health or Sickness,' sometimes referred to as Disability Insurance in Wisconsin statute terminology.

• A: Incorrect. Casualty covers liability and property-related exposures such as auto and workers' compensation, not health/sickness coverage.
• C: Incorrect. Title covers insurance against defects in real property titles, unrelated to health coverage.
• D: Incorrect. Surplus lines is a separate placement mechanism for risks that cannot be placed with admitted insurers, not a health insurance line of authority.

Correct answer: A. 8 hours general education plus 12 hours line-specific accident and health content, for 20 total hours

Correct. Wisconsin's prelicensing structure applies to the Accident and Health line as it does to other major lines: 8 hours of general education (principles, WI law, ethics) plus 12 hours of line-specific content, totaling 20 hours.

• B: Incorrect. 40 hours of general education only misstates both the total hours and the required mix of general versus line-specific content.
• C: Incorrect. Wisconsin does require prelicensing education for the accident and health line, absent an applicable exemption such as recent licensure in another state for the same line.
• D: Incorrect. The proportions are reversed; Wisconsin requires 8 hours general and 12 hours line-specific, not 12 general and 8 line-specific.

Correct answer: A. 24 hours total, with at least 3 hours of ethics

Correct. As with other major lines, Wisconsin requires 24 hours of continuing education biennially for a health/accident-and-health producer, including at least 3 hours dedicated to ethics.

• B: Incorrect. 10 hours understates Wisconsin's biennial CE requirement, and an ethics component is required, not absent.
• C: Incorrect. 12 hours of ethics substantially overstates the required ethics portion; only 3 of the 24 hours must be ethics-focused.
• D: Incorrect. The health/accident-and-health line is a major line of authority and is subject to the same 24-hour biennial CE requirement as other major lines.

Correct answer: B. Must accept every individual applicant who applies for coverage during an open or special enrollment period, regardless of health status, in the individual major medical market

Correct. The ACA's guaranteed issue requirement generally obligates insurers to accept every individual who applies for individual major medical coverage during applicable enrollment periods, regardless of health status or pre-existing conditions.

• A: Incorrect. Denying coverage based on pre-existing conditions in the individual major medical market is prohibited under the ACA's guaranteed issue and pre-existing condition protections.
• C: Incorrect. The ACA restricts premium rating factors in the individual and small group markets to a limited set (age, tobacco use, geography, family size), not unlimited health-status-based variation.
• D: Incorrect. Guaranteed issue protections under the ACA apply to both individual and group major medical markets, not exclusively to group plans.

Correct answer: B. Certain preventive services, such as specified immunizations and screenings, rated 'A' or 'B' by the U.S. Preventive Services Task Force

Correct. Under 45 CFR § 147.130, non-grandfathered plans must cover certain preventive services (evidence-based screenings and immunizations meeting specified rating criteria, such as USPSTF 'A' or 'B' recommendations) without cost-sharing when received in-network.

• A: Incorrect. Elective cosmetic procedures are not part of the ACA's mandated no-cost preventive services category.
• C: Incorrect. Out-of-network care is not guaranteed cost-sharing-free coverage under this provision; the no-cost preventive mandate is generally tied to in-network delivery.
• D: Incorrect. Long-term custodial nursing home care is not a preventive service and is not covered under this ACA no-cost-sharing preventive care mandate; it is typically addressed separately (e.g., through Medicaid or long-term care insurance).