How do I become a health insurance broker?

You become a health insurance broker by earning a resident insurance producer license with the accident and health line of authority. The steps are: complete any prelicensing education your state requires, pass the state licensing exam, complete a background check (with fingerprinting in many states), and submit your application, which states typically review in 7 to 10 days. Most states then require continuing education to renew the license.

Delaware licenses a health insurance broker as an insurance producer holding the Accident and Health line of authority. You pass the Pearson VUE Accident and Health Producer exam ($90), submit a State Criminal Background Report from the Delaware State Police, and apply online through the National Insurance Producer Registry (NIPR) for a $125 fee. Delaware requires no prelicensing education for the producer license.

To sell health insurance in DC, pass the Accident & Health or Sickness licensing exam administered by Pearson VUE. The exam has 75 scored questions, a scaled passing score of 70, and a $75 fee paid at reservation. After passing, you must complete fingerprinting and a background check through Fieldprint ($31.50) and apply online at nipr.com within 1 year; the individual producer license fee is $100.

To sell health insurance in Florida you need the 2-40 resident Health Agent license, which also covers representation of health maintenance organizations. Complete a 40-hour approved health insurance prelicensing course within 4 years of applying, pass the Pearson VUE state exam ($44), apply online through MyProfile ($50 application fee plus $5 license ID fee), and submit fingerprints ($52.50). A degree with at least 9 credit hours of insurance instruction specific to health exempts you from the exam.

To sell health coverage in Georgia, earn the Accident & Sickness line of authority: complete an 8-hour prelicensing course, pass the Pearson VUE exam, and apply at sircon.com/georgia with the notarized Citizenship Affidavit, the $120 fee, and electronic fingerprints. To assist with Marketplace (ACA exchange) enrollments, you must also complete the annual CMS registration and training through the Marketplace Learning Management System, which requires a National Producer Number and an approved health-related line of authority.

To sell health insurance in Kentucky, complete 20 hours of prelicensing education for the health line of authority, then submit your application through the National Insurance Producer Registry (NIPR) and request a criminal background report from the Kentucky Administrative Office of the Courts. Resident fees are $40 for the license plus $40 for the health line and a $50 exam fee. Once the department processes the application, schedule the health exam through your Kentucky eServices account and pass with a score of at least 70%.

To sell health insurance in Maryland, you need a producer license in the Health line, which Prometric and the National Insurance Producer Registry (NIPR) list as Accident and Health or Sickness. You must pass that exam (80 scored questions plus 10 unscored, 1 hour 45 minutes, 70% to pass), pay the $54 application fee, and submit the application through NIPR. No prelicensing course has been required since October 1, 2024.

To sell health insurance in Montana, you must pass the Accident & Health (Disability) exam administered by Pearson VUE with a score of 75% or better, then apply for a producer license through the National Insurance Producer Registry (NIPR). Montana requires no prelicensing education and charges no resident producer application fee. You must also submit fingerprints for a background check with a $30.00 payment payable to Montana Criminal Records.

New Hampshire licenses health sellers as producers with the Accident and Health line of authority. First pass the PSI exam for that line, series 12-62, which costs $59; the state requires no prelicensing course. Then apply online through the National Insurance Producer Registry (NIPR) and pay the $210 license fee. Under the state's single licensing system, producers may act as agents, brokers, or consultants.

To become a New York accident and health broker, complete a Department-approved prelicensing course of at least 20 hours (or 40 hours combined with life), pass the PSI licensing exam, and apply online through NY LINX. A broker represents the insured and can place business with any New York authorized company that will accept it, though some companies only work with appointed agents. The resident license fee is $80 for a term over one year.

In North Dakota, selling health insurance requires a producer license in the accident and health or sickness line, and you follow the standard producer steps. You must be at least 18, pass the $64 Accident and Health exam (70% to pass, 150 minutes), and submit hard-copy fingerprint cards. You then apply electronically through the National Insurance Producer Registry (NIPR) with the $100 fee; the state requires no prelicensing education.

In Oregon, you become a health insurance producer; the state does not permit insurance brokering. Complete 20 hours of health prelicense training, pass the PSI Health exam (series 12-02, fee $45) with a score of at least 70%, submit fingerprints for a criminal records check ($61.25, taken at an Oregon PSI test center or a FieldPrint location), and apply online through NIPR.

In Pennsylvania, you sell health insurance by becoming a licensed Insurance Producer with the Accident and Health line of authority. Pass the Accident and Health exam (16-02) or the combined Life, Accident and Health exam (16-03) through PSI with at least 70%, then apply online through Sircon or the National Insurance Producer Registry (NIPR) and pay the $55 resident fee. Residents must also be fingerprinted at an IdentoGO center, and a health-related line of authority is required to assist consumers with federal Marketplace enrollment.

In Rhode Island, health insurance is sold under the Accident & Health or Sickness line of a producer license. Pass the Accident & Health Producer exam at Pearson VUE ($80), wait 3-5 days for the results to post to NIPR, then apply electronically and pay the $120 resident license fee. You must be at least 18 and provide a certified background check. No pre-licensing course is required.

To sell health insurance in South Dakota, obtain a producer license with the accident and health or sickness line of authority. You must be at least 18 years old, pass that line's written exam through Pearson VUE, and apply online through NIPR with the $25 application fee plus a service fee. No pre-licensing education is required.

You need the General Lines Life, Accident, Health and HMO license, which is the Texas credential that covers health insurance. First pass the Pearson VUE exam ($49), then complete fingerprinting through IdentoGO using the service code TDI emails after you begin the application on its portal, and finally apply through Sircon or NIPR within one year of passing, paying the $50 application fee. You must be at least 18 years old.

Vermont issues one Producer license that covers both agents and brokers, so you need a Producer license with the Accident and Health or Sickness line of authority. You must be at least 18, pass the Prometric Series 14-27 exam ($52, or $67.60 for the combined Series 14-29 Life, Accident and Health exam), then wait 48 hours before applying electronically through the National Insurance Producer Registry (NIPR). Vermont requires no prelicensing education hours for this line.

Wyoming licenses health brokers as producers with the Accident and Health or Sickness line of authority. Pass the Wyoming Insurance Licensing Exam through Pearson VUE, apply online through Sircon, and submit fingerprints for a background check; the resident fee is $100. The license renews every two years with 24 hours of continuing education, including 3 hours of ethics.