Free practice exam · no signup needed

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. Under HRS 393-7, alcohol detoxification is limited to three admissions per calendar year, not to exceed:
Five days per admissionTwenty-one days per admissionThree days per admissionSeven days per admission
2. Under the ACA's required appeals process for non-grandfathered plans, the maximum time a carrier may take to decide an URGENT internal appeal is:
30 days24 hours72 hours15 days
3. An insured with a $2,000 deductible, 80/20 coinsurance, and a $7,500 out-of-pocket maximum has paid nothing toward the deductible this year. She has outpatient surgery with a $10,000 allowed amount. How much does the CARRIER pay on this claim?
$7,500, because the out-of-pocket maximum caps the carrier's obligation$8,000, being the full allowed amount left after the deductible is applied$5,900, being 80% of the allowed amount reduced by the deductible twice$6,400, being 80% of the $8,000 that remains after the deductible is met
4. The principal difference between a gold-tier and a silver-tier qualified health plan on the Marketplace is that:
Only the gold-tier plan is statutorily required to cover the ten ACA Essential Health Benefits categories under federal market reformsThe gold plan is available only through state-based marketplaces under the SBM-only exemption; the silver plan is available on every state and federal exchange platformOnly the silver-tier plan is eligible for advance premium tax credits under the SLCSP-benchmark calculation used in the federal subsidy frameworkThe gold plan has an actuarial value of approximately 80% (plan pays 80%, member 20%); the silver plan has an AV of approximately 70%
5. A client on a specialty medication uses a manufacturer copay card. Her plan operates a copay-accumulator program. The practical consequence for her is that:
The card is void, because accumulator programs prohibit manufacturer assistanceThe card amount is doubled when credited against her out-of-pocket maximumThe card converts the specialty drug from a coinsurance tier to a copay tierThe card pays the cost but none of it credits toward her deductible or maximum
6. Compared to Medicare Part A, Medicare Part B is most accurately characterized by which of the following statements?
Part B has a calendar-year deductible and 20% coinsurance with no out-of-pocket maximum; Part A uses benefit-period cost sharing with a separate inpatient deductible and a 60-day lifetime reservePart B is funded primarily through the FICA Medicare payroll tax collected during the beneficiary's working years; Part A by contrast is funded through general federal revenues and monthly beneficiary premiumsPart B covers inpatient hospital admissions, skilled nursing facility stays, and hospice care under the institutional benefit category; Part A covers physician services and all outpatient services under the supplemental benefit categoryPart B is premium-free for any beneficiary with at least 40 quarters of Medicare-covered employment under the standard quarters-of-coverage test; Part A requires a monthly premium for every beneficiary regardless of work history
7. HRS 431:10-217.5 prohibits an insurer from denying or rating a policy on the basis that a person:
Has filed two prior claimsLives on a neighbor islandIs a victim of domestic abuseWorks in a hazardous occupation
8. Under HRS 431:16-203, the per-life limit for basic hospital, medical and surgical or major medical insurance is:
$300,000$250,000$100,000$500,000
9. A nonforfeiture benefit on an LTC policy provides that, if the policy lapses for nonpayment after a stated period of in-force years:
The carrier is required to reinstate the lapsed policy at any future date the policyowner elects without further evidence of insurability or fresh medical underwritingAll premiums paid into the policy from inception are refunded in cash to the policyowner under the standard NAIC return-of-premium nonforfeiture safe harborThe policy converts to a paid-up shortened-benefit version with a residual benefit, rather than the policyowner forfeiting all coverageThe full original pool of money continues unchanged after lapse, and benefits remain payable indefinitely without any further premium being due to the carrier
10. Under the ACA's Medical Loss Ratio rule, the minimum share of premium revenue a LARGE-GROUP carrier must spend on claims and quality-improvement activities is:
90%, the highest floor the ACA sets for any commercial insurance market85%, a higher floor than the one applied to individual and small-group plans75%, a lower floor reflecting the administrative cost of large-group plans80%, the same floor that applies in the individual and small-group markets
11. Which act is listed in HRS 431:1-215 as a transaction of an insurance business?
Attending a continuing education courseOwning shares of an insurerReading an insurance trade journalReceiving an application for insurance
12. Which situation shows constructive delivery of a policy?
The insurer mails it for unconditional deliveryThe insurer prints and files it internallyThe producer holds it pending a premiumThe insurer emails a policy summary only
13. Which is expressly excluded from Hawaii Life and Disability Insurance Guaranty Association coverage?
A tax-qualified long-term care policyA self-funded employer plan or MEWAAn individual major medical policyA group disability income certificate
14. A health policy is paid monthly. What is the minimum grace period under the uniform provisions?
31 days20 days7 days10 days
15. The maximum continuation period under COBRA for a covered employee terminated for reasons other than gross misconduct is:
36 months18 months29 months12 months
16. Total continuing education credit hours required under HRS 431:9A-124 are:
24201612
17. Why does an insurer apply financial underwriting to a disability income application?
To set the elimination period lengthTo confirm the applicant can pay premiumTo keep the benefit below full incomeTo satisfy federal tax reporting rules
18. Which statement about business overhead expense taxation is correct?
Premium is deductible and benefits are taxableNeither premium nor benefits affect taxPremium is not deductible and benefits are tax freeBoth premium and benefits are tax free
19. The Hawaii Life and Disability Insurance Guaranty Association is funded by:
Policyholder surchargesGeneral fund appropriationA pre-collected state fundAssessments on member insurers
20. The in vitro fertilization benefit required by HRS 431:10A-116.5 is:
Three cycles per lifetimeA one-time only benefitUnlimited while infertility persistsOne cycle per calendar year

Want a different set? Refresh the page for 20 new questions — the full course has 500+, each with a complete explanation, plus full-length timed exam simulations and an AI tutor.