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Hawaii Health Practice Exam

20 exam-style questions drawn from the same bank as our full Hawaii Health course (Hawaii Accident and Health Producer Exam Prep). Answer all 20, then grade yourself — most state exams require 70% to pass. Explanations for every question are part of the full course.

1. A temporary insurance producer licence under HRS 431:9A-111 may not exceed:
90 daysOne year180 days120 days
2. A licensee facing a pending suspension applies in writing for a hearing. Under HRS 431:2-308(d) the Commissioner must hold it within:
15 days60 days45 days30 days
3. Which of the following plans is most likely OUTSIDE the scope of ERISA?
A state-government plan covering teachers and public employees of the stateA private employer's self-funded group health plan covering 250 employeesA private employer's voluntary group long-term disability plan to which the employer contributes 50% of premiumA private employer's fully insured group health plan covering 80 employees
4. HRS 431:10H-107 forbids a long-term care policy from being cancelled or nonrenewed on the grounds of:
Nonpayment of premiumThe insurer leaving the marketA material misrepresentationAge or deterioration of health
5. A producer collects an initial premium. That money is:
Agency income once the sale is madeA deposit refundable only at issueHeld in a fiduciary capacity for the insurerThe producer's advance on commission
6. The Hawaii Life and Disability Insurance Guaranty Association is funded by:
Policyholder surchargesGeneral fund appropriationA pre-collected state fundAssessments on member insurers
7. The Medicare Initial Enrollment Period (IEP) for a person becoming eligible at age 65 is:
The six-month period beginning the first day of the month in which the person is both 65 and enrolled in Part BA seven-month window: the three months before the birth month, the birth month, and the three months after the birth monthAn open-ended window with no deadline as long as enrollment occurs before age 70A three-month window beginning the month the person turns 65
8. A client is terminated from his job in May and loses his employer health coverage. Outside of open enrollment, how long is his window to enroll in individual coverage?
90 days from the qualifying event, under a special enrollment periodHe must wait for the next annual open enrollment period to enroll60 days from the qualifying event, under a special enrollment period30 days from the qualifying event, under a special enrollment period
9. An insured had to obtain her carrier's written approval before an elective MRI would be covered. Which managed care utilization control does that describe?
Referral, which is the primary care physician's permission to see a specialistCase management, which is the carrier's coordination of a complex course of careCapitation, which is the fixed monthly amount the carrier pays to the providerPreauthorization, which is approval of a specific service before it is rendered
10. A supplemental product that meets the HIPAA definition of an excepted benefit is exempt from several ACA rules. Which practices does that exempt status permit the carrier to use?
Denial of covered claims without providing the insured any appeal rightsRefusal to renew a policy solely because the insured filed a valid claimMedical underwriting, dollar caps, and pre-existing-condition look-backsRescission of coverage after a claim without any showing of fraud at all
11. Total continuing education credit hours required under HRS 431:9A-124 are:
24201612
12. An applicant is enrolled in an HSA-qualified HDHP through his employer. His spouse, who works elsewhere, has elected a general-purpose health FSA through her employer that covers the family. The applicant wants to know if he can contribute to an HSA. The correct answer is:
No — the spouse's general-purpose FSA is disqualifying non-HDHP health coverage under IRC §223Yes — the HSA belongs to him individually and the spouse's FSA does not affect his eligibilityYes — but only up to the self-only HSA contribution limitNo — but only because the HDHP is employer-sponsored
13. The maximum continuation period under COBRA for a covered employee terminated for reasons other than gross misconduct is:
36 months18 months29 months12 months
14. Hawaii's controlled business rule in HRS 431:9A-112.5 is stated as:
A ceiling of 25 per cent of written premiumA ceiling of 50 per cent of written premiumA flat ban on insuring any family memberControlled business must not exceed other business
15. A group health plan offers a reward to employees who reach a target cholesterol level. Under the ACA non-discrimination rules, that outcome-based wellness reward is generally limited to:
50% of the cost of coverage, and a reasonable alternative must be offered20% of the cost of coverage, and a reasonable alternative must be offered30% of the cost of coverage, with no alternative standard required at all30% of the cost of coverage, and a reasonable alternative must be offered
16. The Commissioner serves a statement of charges alleging a deceptive practice. Under HRS 431:13-106 the hearing date must be at least:
30 days after service10 days after service15 days after service5 days after service
17. The right to return period for a Hawaii long-term care policy under HRS 431:10H-111 is:
Ten days from deliverySixty days from deliveryTwenty days from deliveryThirty days from delivery
18. The Part D late-enrollment penalty is calculated as:
A flat $50 per month surcharge for any delay, regardless of length1% of the national base beneficiary premium for every full month the beneficiary was without creditable drug coverage for more than 63 continuous days, added permanently to the Part D premium10% of the national base beneficiary premium for every full 12 months the beneficiary was without creditable drug coverage, added permanently to the Part D premiumTwice the standard Part D premium for two years after late enrollment
19. A 68-year-old health savings account owner withdraws $4,000 to remodel a bathroom, which is not a qualified medical expense. The federal tax consequence of that distribution is:
Only the additional 20% tax, since the original contributions were deductibleOrdinary income tax on the withdrawal, with no additional 20% tax appliedNo tax at all, because distributions after age 65 are tax-free for any purposeOrdinary income tax on the withdrawal, plus the additional 20% tax as well
20. In a managed care context, 'capitation' refers to:
A fixed monthly amount the carrier pays a provider for each assigned member, regardless of utilizationA statutory cap on the insured's annual out-of-pocket spending on covered in-network Essential Health BenefitsA pre-negotiated percentage discount applied to the provider's UCR billed charges before claim adjudicationA fixed dollar amount the insured pays at each office visit, applied before the deductible under the plan terms

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