How do I get a health insurance license?

Health insurance is a line of authority on a state producer license. The steps are set by your state: complete any required prelicensing education, pass the licensing exam, clear a background check (fingerprinting in many states), and apply through the National Insurance Producer Registry. Required hours vary sharply; New York requires 40 hours for the combined life and accident-and-health track (20 for health only), Florida requires 40 hours of health coursework or a qualifying designation, and Georgia requires 8 hours for Accident and Sickness.

You get a health insurance license by adding the Accident and Health or Sickness line of authority to an Alaska insurance producer license. The Accident and Health exam through Pearson VUE has a general portion of 50 scored questions plus 5 pretest and an Alaska portion of 40 scored plus 10 pretest, with a passing scaled score of 70. You pay $89 at reservation, then apply at nipr.com with the $75 license fee and a fingerprint card with its $48.25 evaluation fee. Exam scores are valid for one year from the date of the exam.

To get a Delaware health insurance license, pass the Pearson VUE Accident and Health Producer exam, which costs $90; Delaware requires no prelicensing education. Then apply electronically through the National Insurance Producer Registry (NIPR), submit a State Criminal Background Report from the Delaware State Police, and pay the $125 producer license fee. Pearson VUE sends your exam results to the department electronically.

DC does not require pre-licensing education. You schedule the Health exam with Pearson VUE, pass with a scaled score of 70, and apply online at nipr.com within 1 year of passing. The exam fee is $75, the individual license fee is $100, and resident applicants must also complete fingerprinting and a background check through Fieldprint ($31.50).

To get a Florida resident health agent license (the 2-40 class), complete a 40-hour state-approved health insurance prelicensing course within 4 years of applying, then pass the state exam at Pearson VUE. Submit the application online through MyProfile with a $50 application fee and a $5 license ID fee, and be fingerprinted ($52.50 plus local sales tax). A degree with at least 9 credit hours in health insurance exempts you from the exam, and the license requires an insurer appointment to be valid.

To get a Georgia health insurance license, complete the 8-hour Accident and Sickness prelicensing course and pass the Pearson VUE Accident and Sickness exam. Then apply at sircon.com/georgia, pay the $120 fee, submit fingerprints electronically, and file the notarized Citizenship Affidavit (GID-276-EN). The license authorizes you to sell Accident and Sickness coverage.

Health insurance in Idaho falls under the Accident and Health or Sickness line of authority, and the state does not require pre-licensing education. You must pass the ID Disability/Health Producer exam, which costs $65 and allows 120 minutes, then submit fingerprints for a background check ($65 electronic or $61.25 by hard card). Apply online through the National Insurance Producer Registry (NIPR) with an $80 fee, and email your exam pass slip, fingerprint receipt, and completed background check release form to the Idaho Department of Insurance.

To sell health insurance in Maine, you must earn a resident producer license with the Accident and Health line of authority. First complete 16 credit hours of prelicensing education (or document 6 months of relevant experience), then pass the Pearson VUE Accident and Health exam ($55). After passing, apply through the National Insurance Producer Registry (NIPR) and pay the $25 resident license fee.

To get licensed for health insurance in Montana, pass the Accident and Health (Disability) exam through Pearson VUE with a score of 75% or better. The exam has 92 scoreable questions and costs $65. Then apply for a Disability (Health) line of authority through the National Insurance Producer Registry (NIPR) and submit fingerprints with the $30 background check fee; the resident producer application itself carries no state fee.

Pass the accident and health or sickness exam, then apply online at NIPR.com. The exam costs $43 and requires a 70% score; you register through PSI, Nebraska's test provider. PSI uploads your results to the department within 2-3 business days, after which you pay the $50 resident application fee. Processing takes 3-5 business days, and Nebraska requires no pre-licensing education.

In New Hampshire, you take the Accident and Health producer exam (series 12-62, $59) administered by PSI, then apply online through the National Insurance Producer Registry (NIPR) with a $210 application fee. You must be at least 18 years old, and the state does not require a prelicensing course. Register for the exam at test-takers.psiexams.com/nhins or by phone at (855) 340-3713.

You complete 20 hours of state-approved Accident and Health prelicensing education, pass the state exam, complete Live Scan fingerprinting, and apply online through the National Insurance Producer Registry (NIPR). Register for the exam with PSI Services LLC; the fee is $38 and the passing score is 70%. Fingerprints cost $66.05, and the standard electronic application totals $170 in state fees.

To sell health insurance in New Mexico, you need an Accident and Health or Sickness producer license. The state does not require prelicensing education, so you can prepare on your own. Pass the PSI exam for that line with at least 70%, complete the IdentoGO national background check ($67, service code 2BH27J), then apply online at NIPR with the $30 fee. Most applications are processed within about 10 days.

To sell health insurance in North Dakota, pass the Accident and Health exam through PSI, then apply through the National Insurance Producer Registry (NIPR) with the $100 fee. The exam costs $64, requires a 70% passing score within 150 minutes, and North Dakota requires no prelicensing education, so you can prepare by self-study. Initial resident applicants must also submit hard-copy fingerprint cards, paying $43 to the North Dakota Attorney General plus a $29 PSI processing fee.

You need the Accident & Health producer license, which authorizes you to sell health and sickness coverage. Pass the Accident & Health Producer exam (code 02) at a Pearson VUE test center: 80 scoreable questions (50 general, 30 state), a $80 fee, and a passing score of 70. Rhode Island requires no prelicensing education hours. Afterward, provide a certified background check (BCI) and apply through NIPR; the resident license fee is $120, and exam scores are valid for 12 months.

To sell health coverage in South Dakota, you need a producer license with the accident and health or sickness line of authority. You must be at least 18 years old, pass the exam for that line, and apply online through NIPR with a $25 fee plus a service fee. No pre-licensing education is required.

Pass the Prometric exam for the Accident and Health or Sickness line (Series 14-27, $52, or the combined Life and A&H exam, Series 14-29, $67.60). Vermont requires no prelicensing education. After passing, wait 48 hours, then apply electronically through the National Insurance Producer Registry (NIPR); state fees total $60, split between a $30 application fee and a $30 license fee. You must be at least 18 years old.

In West Virginia, health insurance falls under the Accident & Sickness (Health) line of authority. You complete 20 hours of pre-licensing education, bring the paper Course Completion Certificate to the Pearson exam (it is valid 6 months, the fee is $84, and the passing score is 70), then get fingerprinted through IdentoGo using service code 228NS5 and apply for the $50 license through the National Insurance Producer Registry (NIPR).

To sell health insurance, you need the Accident and Health or Sickness line of authority. Pass the Wyoming Insurance Licensing Exam for that line through Pearson VUE, then apply online through Sircon and pay the $100 resident fee. Wyoming requires no prelicensing course hours, but you must submit fingerprints for a background check, which costs $39. Typical turnaround from application to issuance is 30 days.