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  4. Group Health Insurance

Free Group Health Insurance Practice Questions

Mississippi Accident & Health exam — 40 practice questions.

Subtopics: Master contract, No individual underwriting, Noncontributory, Contributory participation, COBRA, Conversion privilege, Actively at work, Certificate of coverage, Noncontributory plan, Contributory plan, Eligible groups, Group underwriting, 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, Experience rating, 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 contract is issued to the employer or sponsor as the:

Master policy, with employees receiving certificates of coverage

The group master policy is issued to the employer or sponsor, and covered employees receive certificates of coverage.

2. A key advantage of group health insurance is that members usually:

Obtain coverage without individual medical underwriting

Group coverage is typically issued without individual medical underwriting because the group itself is underwritten.

3. In a noncontributory group health plan:

The employer pays the entire premium and participation is generally 100 percent of eligible employees

In a noncontributory plan, the employer pays the entire premium and all eligible employees are generally covered.

4. In a contributory group plan, insurers typically require a minimum percentage of eligible employees to enroll in order to:

Reduce adverse selection

Minimum participation requirements help reduce adverse selection in contributory group plans.

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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.