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  2. Colorado
  3. Accident & Health
  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Colorado Accident & Health exam — 40 practice questions.

Subtopics: Master contract, Experience rating, Noncontributory plan, COBRA continuation, Conversion privilege, Actively at work, Coordination of benefits, Certificate of coverage, Contributory plan, Eligible groups, Group underwriting, Probationary period, Open enrollment, COBRA eligibility, COBRA duration termination, COBRA duration 36 months, COBRA premium, Pre-existing conditions group, Self-funded plan, Section 125 plan, Community rating, Minimum participation requirement, Actively-at-work provision, Late enrollee, COBRA qualifying events, COBRA election period, ERISA summary plan description, ERISA fiduciary standards, Multiple Employer Welfare Arrangement, Multiple Employer Trust, Dependent eligibility, Specific stop-loss insurance, Family and Medical Leave Act coverage, Small group guaranteed renewability

Read the Group Health Insurance study guide

Sample questions & answers

1. In group health insurance, the master contract is issued to:

The employer or group sponsor, while members receive certificates of coverage

In group coverage, the sponsor (often the employer) holds the master contract and individual members receive certificates of coverage.

2. Experience rating of a group health plan sets premiums based on:

The group's own claims history

Experience rating bases the group's premium on that specific group's prior claims experience.

3. In a noncontributory group health plan:

The employer pays the entire premium and typically all eligible employees must be covered

In a noncontributory plan, the employer pays the full premium and usually 100 percent of eligible employees must be covered to limit adverse selection.

4. Federal COBRA continuation generally allows eligible employees who lose group coverage to:

Continue group coverage for a limited time by paying the premium

COBRA lets qualified beneficiaries continue group coverage for a limited time after a qualifying event, generally by paying the full premium.

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Practice: Group Health Insurance

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.