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Hawaii · Health

Hawaii Accident and Health Producer Exam Prep

The examination this course is built to

Accident & Health and Sickness (InsHI_Health02), 85 scored questions, 120 minutes, administered by Pearson VUE

7
Sections
71
Lessons
300+
Practice questions
120 min
Exam time limit

What you'll learn

Every section below is aligned with the Hawaii content outline.

Section 1
I. Types of Policies
22 lessons
+
  • Managed Care vs. Fee-for-Service — How Health Plans Organize Providers and Payment
  • Health Maintenance Organizations — Gatekeepers, Networks, and Capitation
  • PPO and POS Plans — In-Network vs. Out-of-Network Mechanics
  • High-Deductible Health Plans and Health Savings Accounts
  • EPO, Indemnity, and Supplemental Health Plan Types
  • Accidental Death and Dismemberment: Principal Sum, Capital Sum, and the Accident Definition
  • Basic Hospital, Medical and Surgical Policies vs Major Medical: First-Dollar Coverage and the Comprehensive Plan
  • Short-Term vs. Long-Term Disability — Product Structure, Group vs. Individual, and Employer-Sponsored Coverage
  • Definitions of Disability — Own-Occupation, Any-Occupation, Residual, and Presumptive
  • Elimination Period, Benefit Period, COLA, and the Renewability Provisions
  • Business Overhead Expense, Disability Buy-Sell, Key Person Disability, and Group Plan Structures
  • Taxation of Disability Premiums and Benefits, Social Security Disability, Workers' Compensation, and Benefit Integration
  • LTC Basics — ADLs, Cognitive Impairment, and the Levels of Care
  • Tax-Qualified vs. Non-Tax-Qualified LTC — HIPAA, IRC §7702B, and the Benefit Triggers
  • Benefit Amounts, Elimination Periods, and Benefit Periods — How an LTC Policy Pays
  • LTC Riders and Inflation Protection — Keeping the Benefit Whole Over a 30-Year Horizon
  • Hybrid Life/LTC, Annuity/LTC Combinations, and the Partnership for Long-Term Care
  • Employer-Sponsored Group Health — Structure, Master Policy, and the ERISA Frame
  • COBRA Continuation Coverage — Triggers, Durations, Premiums, and Notices
  • ERISA and Fiduciary Rules — Scope, Preemption, SPDs, and Form 5500
  • Nondiscrimination and Section 125 — Cafeteria Plans, FSAs, and HRAs
  • Small Group, Large Group, and Self-Funded — Rating, Underwriting, and Funding Choices
Section 2
II. Policy Provisions, Clauses, and Riders
10 lessons
+
  • The Insuring Clause and Covered Benefits — What Major Medical Actually Promises to Pay
  • Deductibles, Coinsurance, and Copays — How Cost-Sharing Actually Works
  • Out-of-Pocket Maximums, Annual Limits, and the MLR — How the ACA Capped Catastrophic Exposure
  • Pre-Existing Conditions, Pre-Authorization, and the Appeals Process — Underwriting and Utilization Management
  • Hospital Indemnity, Critical Illness, and Other Supplemental Products — Limited-Benefit Coverage Done Right
  • The Mandatory Uniform Provisions: Entire Contract, Time Limit on Defenses, Grace Period, Reinstatement
  • Claim Provisions: Notice of Claim, Claim Forms, Proof of Loss, Time of Payment, Payment of Claims
  • Optional Uniform Provisions: Change of Occupation, Misstatement of Age, Other Insurance, Relation of Earnings, Illegal Occupation
  • Other Provisions and Clauses: Insuring Clause, Free Look, Consideration, Probationary and Elimination Periods, Waiver of Premium, Exclusions
  • Riders and Rights of Renewability: Impairment Riders, Guaranteed Insurability, Future Increase Option, and the Renewability Spectrum
Section 3
III. Social Insurance
5 lessons
+
  • Medicare Parts A and B — Eligibility, Hospital Benefits, and Medical Benefits Under Original Medicare
  • Medicare Parts C and D — Medicare Advantage and Prescription Drug Coverage
  • Medicare Supplement (Medigap) — Standardized Plans A through N, MACRA, and Guaranteed-Issue Rights
  • Medicaid and Dual-Eligibility — The State-Administered Federal Program and Its Coordination with Medicare
  • Medicare Enrollment Periods and Late-Enrollment Penalties — IEP, AEP, SEP, Medigap OEP, and the Cost of Waiting
Section 4
IV. Other Insurance Concepts
9 lessons
+
  • The ACA Marketplace and Essential Health Benefits — Metal Tiers, Premium Tax Credits, and Cost-Sharing Reductions
  • HIPAA — Privacy, Security, Portability, and Nondiscrimination
  • ADA, FMLA, and Mental Health Parity — The Workplace Health-Benefits Framework
  • Section 125 Cafeteria Plans — POPs, FSAs, and the Mid-Year Election Rules
  • HSA Eligibility and Contribution Limits — IRC §223 in Practice
  • Total, Partial, Recurrent, and Residual Disability: How the Contract Classifies a Claim
  • Owner's Rights, Beneficiary Designations, Dependent Children Benefits, and Modes of Premium Payment
  • Nonduplication and Coordination of Benefits, Subrogation, Occupational vs Non-Occupational Coverage, and Workers Compensation
  • Tax Treatment of Premiums and Proceeds, Managed Care, and Cost Containment
Section 5
V. Field Underwriting Procedures
6 lessons
+
  • Completing the Application: The Producer as Field Underwriter
  • Sources of Insurability and Privacy: MIB, Attending Physician Statements, the Fair Credit Reporting Act, and HIPAA
  • Initial Premium, Receipts, and When Coverage Actually Begins
  • Submitting the Application, the Underwriting Decision, and Explaining Ratings
  • Policy Delivery and Explaining the Contract: Provisions, Riders, Exclusions, and Ratings
  • Replacement and Contract Law: Elements of a Contract, Insurable Interest, and the Unique Characteristics of Insurance
Section 6
VI. Hawaii Laws Common to Multiple Lines
10 lessons
+
  • The Hawaii Insurance Commissioner: General Powers, Rulemaking, and Authority Over Certificates of Authority
  • Examination of Records, Notice of Hearings, and Judicial Review in Hawaii
  • Hawaii Penalties: The General Penalty, Producer Fines, and the Fine in Lieu of Suspension
  • Authorized and Unauthorized Insurers in Hawaii, and the Surplus Lines Exception
  • Domestic, Foreign and Alien Insurers, Stock, Mutual and Reciprocal Forms, and the Certificate of Authority
  • What Hawaii Means by Insurance: The Statutory Definitions and the Class of Accident and Health
  • Hawaii Producer Licensing: Who Must Be Licensed, Qualifications, Exemptions, Temporary and Nonresident Licences
  • Hawaii Licence Renewal, Continuing Education, and the Grounds for Denial, Suspension and Revocation
  • Hawaii Marketing Practices: Unfair and Deceptive Acts, Premium Trust Accounting, Sharing Commissions, Records, and Controlled Business
  • The Hawaii Life and Disability Insurance Guaranty Association: Coverage, Exclusions, Benefit Limits, and the Advertising Ban
Section 7
VII. Hawaii Laws Pertinent to Accident and Health Only
9 lessons
+
  • The Hawaii Prepaid Health Care Act: Who Must Be Covered, Who Is Excluded, and How the Premium Is Split
  • Prepaid Health Care Plan Benefits, Approved Contractors, and the Penalties for Failing to Provide Coverage
  • Hawaii Temporary Disability Insurance: Covered Disabilities, Eligibility, the Waiting Period, and the Benefit
  • How a Hawaii Employer Provides TDI: The Five Methods, the Contribution Rate, and the Wage Base
  • Hawaii Mandated Benefits in Individual Accident and Health Policies
  • Hawaii Group and Blanket Disability Policies: Mandated Benefits, Reciprocal Beneficiary Family Coverage, and Medical Child Support Orders
  • Cancellation of a Hawaii Accident and Health Policy, and the Optional Provisions of 431:10A-106
  • Hawaii Long-Term Care Insurance: Basic Standards, Preexisting Conditions, the Thirty-Day Right to Return, and the Outline of Coverage
  • Hawaii Long-Term Care Policy Definitions and the Suitability Standards

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Pass the real exam

Take the official Hawaii exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Hawaii Health licensing exam?+
Hawaii administers this as the Accident & Health and Sickness (InsHI_Health02), through Pearson VUE. It carries 85 scored questions with a 120-minute time limit. Hawaii does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere. The exam fee is $75.
How much does the Hawaii Health exam cost and who administers it?+
Hawaii contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $75 per attempt. You are allotted 120 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Hawaii Department of Insurance publishes the current schedule.
Does Hawaii require state-approved pre-licensing education?+
Hawaii does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 300+ practice questions across section quizzes and a full-length 85-question final exam simulator that mirrors the real Hawaii Health exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real Hawaii exam?+
The practice questions are written to mirror the real Hawaii Health exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real Hawaii exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I retake the Hawaii licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the Hawaii candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access