Idaho health insurance exam content outline
Last updated
Idaho's Accident and Health exam goes by two names. The handbook calls it "ID Accident & Health or Sickness Producer" (code InsID-AH0002), and Pearson VUE's booking site and the Department of Insurance call it Disability/Health Producer. [1][2] It follows Pearson VUE's outline effective July 31, 2025. [3] This page covers each section and the Idaho laws the state part is built on.
How many questions are on the Idaho health insurance exam?
| Part | Scored | Pretest |
|---|---|---|
| General knowledge | 50 | 5 |
| Idaho specific | 25 | 6 |
| Total | 75 | 11 |
Counts are from the outline. The total is added up. [3] The Department of Insurance study page for this exam says "(75 scored questions. 120-minute time limit)." [2]
- Time: 120 minutes. [1]
- Fee: $65. The handbook footnote reads "Price for State, General, or Combo." [1]
- Two parts, passed separately: "Candidates who pass one section of the examination and fail the other need to retake the portion they did not pass." [1]
- Languages: the handbook says, "Exams are available in both English and Spanish." The Spanish code is SPID-AH0002. [1]
- Retakes: 24 hours after your last attempt, with no limit on attempts. Results are valid for 180 days. [1]
Section weights
| Section | Questions | Share of 75 |
|---|---|---|
| I. Types of Policies | 16 | 21.3% |
| II. Policy Provisions, Clauses, and Riders | 15 | 20.0% |
| III. Social Insurance | 6 | 8.0% |
| IV. Other Insurance Concepts | 5 | 6.7% |
| V. Field Underwriting Procedures | 8 | 10.7% |
| Idaho: common to all lines | 12 | 16.0% |
| Idaho: common to life and health/disability | 3 | 4.0% |
| Idaho: health/disability only | 10 | 13.3% |
Share = questions divided by 75, rounded. [3]
General knowledge (50 questions)
- Types of Policies, 16. Disability income (individual, business overhead expense, disability buyout, group, key employee), AD&D, medical expense coverage (basic, major medical, HMO, PPO, POS, FSAs, high deductible plans with HSAs, HRAs), Medicare supplement, group coverage and COBRA, long-term care eligibility and levels of care, and other policies like dental, vision, cancer, critical illness, worksite, hospital indemnity, short-term medical and accident. [3]
- Policy Provisions, Clauses, and Riders, 15. Sixteen mandatory and optional provisions, other clauses such as free look, elimination period, pre-existing conditions, coinsurance, copays and UCR charges, riders (impairment, guaranteed insurability, future increase option) and renewability. [3]
- Social Insurance, 6. Medicare Parts A to D, Medicaid and Social Security. [3]
- Other Insurance Concepts, 5. Disability definitions, coordination of benefits, taxes, managed care, subrogation, workers compensation and its impact on health benefits, and cost containment. [3]
- Field Underwriting Procedures, 8. The application, MIB and Fair Credit Reporting Act disclosures, premium receipts, delivery, replacement and contract law. [3]
Idaho specific (25 questions)
Common to all lines (12)
The Director of the Department of Insurance, company definitions, producer licensing (Idaho Code 41-1003 to 41-1036), producer duties, policy forms and claims, and marketing practices such as rebating (41-1314), misrepresentation (41-1303) and unfair discrimination. [4] This is the same block as on the Idaho Life exam. See the Idaho life outline page.
Common to life and health/disability (3)
Credit life and disability insurance, the Life and Health Insurance Guaranty Association Act (41-4301 to 4310), and assignment. [4]
Health/disability only (10)
The outline lists these topics. [4] Where Idaho Code gives a firm number, it is shown.
- Minimum standards (41-4201; IDAPA 18.04.03 and 18.04.08).
- Newborns and adopted children. Coverage for newborn children runs from the moment of birth, including congenital anomalies. An adopted newborn placed within sixty days of birth is covered from birth. [5]
- Maternity benefits, handicapped dependents, reconstructive surgery.
- Free look. Individual health policies must let the buyer return the policy within ten days of delivery for a premium refund. Nonrenewable accident policies and individual credit health policies are excepted. [6]
- Time limit on certain defenses. After two years from the date of issue, misstatements other than fraudulent ones cannot be used to void the policy or deny a claim. [7]
- Grace period. Not less than 7 days for weekly premium policies, 10 for monthly, and 31 for all others. [8]
- Pre-existing conditions, skilled nursing facility.
- Mammograms. For policies covering mastectomy: one baseline mammogram from ages 35 to 39, one every two years from 40 to 49 (or more often if the physician recommends), and one every year from age 50. [9]
- AD&D, disclosure, outline of coverage, renewal and cancellation.
- Medicare supplement (41-4402 to 4408; IDAPA 18.04.10). The policy must allow a 30-day return for a refund. [10]
- Long-term care (41-4603, 41-4605; IDAPA 18.04.11): definitions, disclosure, activities of daily living, the producer training requirement and suitability. LTC applicants also get a 30-day right to return. [11]
- Small employer health insurance availability act (Title 41, Chapter 47). A small employer is one with at least two but no more than fifty eligible employees. [12]
- Individual health insurance availability act (Chapter 52), disability income protection, and the Idaho Health Carrier External Review Act (41-5901 to 5917).
How people did on this exam
The Idaho Department of Insurance's 2021 "Portion Pass Report (First Time Only)" shows: [13]
| Portion | Exams | Pass % |
|---|---|---|
| Disability/Health general knowledge | 784 | 52.81 |
| Disability/Health Idaho specific | 784 | 59.82 |
That is the newest year the Department posts, and it is from before the current July 31, 2025 outline.
FAQ
How many questions are on the Idaho health insurance exam?
75 scored (50 general and 25 Idaho), plus 11 unscored pretest questions, in 120 minutes. [1][3]
Is "Disability/Health" the same exam as Accident and Health?
Yes. Both names refer to InsID-AH0002. [1][2]
Can I retake just the part I failed?
Yes. You retake only the portion you did not pass. [1]
Practice with the free Idaho Accident and Health practice test and the free Idaho insurance law questions.
Prep Retention is independent and is not affiliated with Pearson VUE or the state.
Sources
- Pearson VUE, Idaho candidate handbook 121300 (October 2025, rev03/2026): https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121300.pdf
- Idaho Department of Insurance, Accident and Health or Sickness (Disability/Health Producer): https://doi.idaho.gov/ahs-co/ ; Pearson VUE Idaho exam list: https://wsr.pearsonvue.com/testtaker/registration/examlist/IDINS1
- Pearson VUE, Idaho content outlines 121301 (effective July 31, 2025): https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121301.pdf
- Same outline, Idaho specific health topics and references: same URL as source 3
- Idaho Code 41-2140: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH21/SECT41-2140/
- Idaho Code 41-2138: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH21/SECT41-2138/
- Idaho Code 41-2106: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH21/SECT41-2106/
- Idaho Code 41-2107: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH21/SECT41-2107/
- Idaho Code 41-2144: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH21/SECT41-2144/
- Idaho Code 41-4407: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH44/SECT41-4407/
- Idaho Code 41-4605: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH46/SECT41-4605/
- Idaho Code 41-4703: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH47/SECT41-4703/
- Idaho Department of Insurance, 2021 Portion Pass Report (First Time Only): https://doi.idaho.gov/id-exams-pass-rates_2021