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Free Group Health Insurance Practice Questions

Kentucky Accident & Health exam — 40 practice questions.

Subtopics: Group underwriting, Master policy, Noncontributory plan, Contributory plan, COBRA, Conversion privilege, Experience rating, Master contract, Certificate of coverage, Eligible groups, Probationary period, Open enrollment, COBRA eligibility, COBRA duration termination, COBRA duration 36 months, COBRA premium, Coordination of benefits, 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, underwriting generally evaluates:

The group as a whole rather than each individual member

Group underwriting assesses the characteristics of the group as a whole, so individual members usually need not prove insurability.

2. In a group health plan, the employer or association holds the master policy and each covered employee receives a:

Certificate of coverage

The group sponsor holds the master policy while each covered member receives a certificate evidencing their coverage.

3. Under a noncontributory group health plan:

The employer pays the entire premium and generally all eligible employees are covered

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

4. In a contributory group health plan:

Employees pay part of the premium and a minimum percentage must enroll

In a contributory plan, employees share in the premium cost and a minimum participation percentage is required to reduce adverse selection.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.