What are the requirements to get a health insurance license?

You must be at least 18 years old, complete any prelicensing education your state requires for the health line of authority, and pass the state licensing exam. Required hours vary sharply: New York requires 40 hours for the combined life and accident-and-health authority (20 for health only), while Florida requires 40 hours of health coursework including 3 hours of ethics. Most states also require a fingerprint background check and an online application, typically filed through the National Insurance Producer Registry.

To get an Alabama health insurance license you must be at least 18, pass the state exam, submit fingerprints, and prove U.S. citizenship. The Health exam has 100 questions in 2 hours, with 70 correct answers (70%) needed to pass and a $50 fee; the combined Life & Health exam ($75) covers both lines at once. After passing, get fingerprinted through the state's approved vendor and apply through NIPR, where the producer license fee is $80.

To get a health insurance license in Alaska you must be 18, be a resident of and actually residing in the state, be trustworthy and competent, and pass the Pearson VUE Health exam with a scaled score of 70. You pay the $89 exam fee at reservation, then apply at nipr.com with the $75 application fee and one fingerprint card with a $48.25 fee. Exam scores are valid for one year from the exam date, so file your application within that window.

To get a health insurance license in Arizona you must be at least 18 years old, pass the exam for the Accident and Health or Sickness line of authority, and submit fingerprints electronically through the Arizona Department of Public Safety. Arizona does not require pre-licensing education. After passing, you apply through the National Insurance Producer Registry (NIPR) and pay the $120 application fee; exam scores stay valid for one year.

You must be at least 18, live in Arkansas, and provide a valid business email address. You must complete a 20-hour prelicensing course for the Accident & Health or Sickness line, which includes 2 hours on long-term care and 1 hour of ethics. You apply through NIPR before the exam, complete the criminal background check, and pass the PSI exam with at least 70% correct.

The health insurance license in California is the Accident and Health or Sickness agent license, which covers sickness, bodily injury, accidental death, and disability income benefits. You must be at least 18, complete the 12-hour ethics and California Insurance Code course (including 1 hour on insurance fraud), pass the 75-question exam with a 60% score, apply through Sircon or NIPR, and submit fingerprints. The filing fee is $188 for the two-year term, or one $188 fee and one combined 150-question exam if you apply for the Life and Accident and Health licenses together.

To get an Accident and Health producer license in Colorado, you must be at least 18 years old, be a resident of the state, and complete 50 hours of prelicensing education from an approved provider. You then pass the Pearson VUE Accident and Health exam within one year of finishing the course, and apply online at sircon.com/colorado or nipr.com for a $44 fee per line. A U.S. lawful-presence requirement no longer applies to producer applications.

You must be at least 18 years old, complete 20 hours of approved Accident & Health or Sickness pre-licensing education, and pass the Pearson VUE exam ($65, 70% passing score). Applicants who hold a designation such as CLU or RHU and provide a current Letter of Designation are exempt from the pre-license course. After passing, apply online through the National Insurance Producer Registry (NIPR); the individual producer fee is $140.

Delaware does not require prelicensing education for a health insurance producer license. You must pass the Pearson VUE Accident and Health Producer exam ($90) and submit a State Criminal Background Report from the Delaware State Police. You then apply electronically through the National Insurance Producer Registry (NIPR) and pay the $125 license fee.

You must meet DC's minimum age requirement, have a residence or business address in DC, and pass the Pearson VUE Accident & Health or Sickness exam (75 scored questions, scaled passing score 70, $75 fee). After passing, you must complete fingerprinting and a background check through Fieldprint for $31.50 and apply online at nipr.com within 1 year. The individual producer license fee is $100, and an applicant who held a like license in another jurisdiction within 90 days of applying does not have to take the exam.

For the Florida 2-40 Health agent license, you must be at least 18, a bona fide Florida resident, and a U.S. citizen or legal alien with work authorization, and you must not hold a resident license in another state. You must complete a 40-hour approved health insurance prelicensing course within 4 years of your application date and pass the Pearson VUE state exam. Fingerprinting through IdentoGO and an online application through MyProfile are also required.

In Georgia, health insurance falls under the Accident and Sickness line of authority. You must complete an 8-hour Accident and Sickness prelicensing course, pass the Pearson VUE exam with 70% of the questions answered correctly, apply online at sircon.com/georgia with a $100 license fee plus a $20 processing fee, submit a notarized Citizenship Affidavit (form GID-276-EN) with a copy of your ID, and complete electronic fingerprints. You must also be at least 18 years old and be a Georgia resident or have a Georgia business address.

To sell health insurance in Idaho, you apply for the Accident Health and Sickness line of authority on a producer license. Idaho does not require pre-licensing education. You must pass the ID Disability/Health Producer exam ($65, 120 minutes), complete fingerprinting ($65 electronic or $61.25 by hard card), and apply online through the National Insurance Producer Registry (NIPR) with the $80 application fee.

You must be at least 18 years old, complete 20 hours of Accident & Health pre-licensing education (7.5 of those hours in a classroom or webinar), and pass both the General and State exams through Pearson VUE with a score of 70. After passing, wait 5 days, then apply online through NIPR; the resident producer license fee is $215 plus NIPR's transaction fee. You must present proof of pre-licensing completion at the test center.

To get a resident health insurance license in Indiana, you must be at least 18 years old, have your principal place of residence or business in Indiana, complete state-approved pre-licensing education, and pass the health exam. The exam fee is $69, and the license application fee is $40, submitted online through Sircon or NIPR.

To qualify, you must be at least 18, hold a valid Social Security number, and pass the Accident & Health exam through Pearson VUE ($44, 2 hours, 80 scoreable questions covering general insurance knowledge plus Iowa law). Then submit your application and license fee online through the National Insurance Producer Registry (NIPR) within 90 days of passing. An applicant convicted of a felony involving dishonesty or breach of trust must obtain the commissioner's consent before transacting insurance business in Iowa.

To get an Accident and Health or Sickness producer license in Kansas you must be at least 18, obtain a Certificate of Tax Clearance from the Kansas Department of Revenue, and be fingerprinted for a state and national criminal background check. You then submit the NAIC Uniform Application online through NIPR, pay the $30 application fee and $60 fingerprint fee, and upload a color copy of your Kansas ID. You must also pass the licensing exam, and scores are valid for 2 years.

To get a health insurance license in Kentucky, you must be at least 18 years old and meet the state's residence and trustworthiness requirements. You must complete 20 hours of prelicensing education for the health line of authority, pass the health licensing exam with a score of at least 70%, submit an application through NIPR with the $40 license fee plus $40 for the health line, and request a criminal background report from the Kentucky Administrative Office of the Courts. Online applications are processed within 3 business days once all other requirements are complete.

You must be at least 18 years old, reside in or maintain a principal place of business in Louisiana, and pass the Accident & Health or Sickness licensing exam with a score of at least 70%. Louisiana requires no prelicensing education. After passing, you submit the application through NIPR ($75 fee), complete a background check authorization form, and then pay $60.75 to be fingerprinted at an IdentoGo location.

Maine requires resident Accident & Health producer applicants to pass the Pearson VUE licensing exam, then apply to the Maine Bureau of Insurance. Before the exam, you must present a certificate showing at least 16 credit hours of prelicensing education within the preceding two years, or a certificate showing 6 months of relevant full-time experience as an employee of an insurer or producer. The Accident & Health exam has 88 scoreable questions, lasts 2 hours, costs $55, and requires a passing scaled score of 70. The resident application and license fee is $25.

Resident applicants must pass the Maryland exam for the Accident and Health or Sickness line, pay the $54 fee, and submit the NAIC Uniform Individual Application online through NIPR or by paper to the Maryland Insurance Administration. NIPR verifies the exam before accepting the application, and exam scores remain valid for 12 months. After licensing, renewal requires 24 hours of continuing education, including 3 hours of ethics, every two years.

You must pass the Accident and Health or Sickness producer exam and apply for the license through the National Insurance Producer Registry (NIPR), where the Massachusetts Division of Insurance reviews your application and issues the license upon approval. The exam costs $37, is given in person at Pearson test centers, requires a reservation at least 48 hours in advance, and needs a scaled score of 70 to pass. Passing the exam does not guarantee a license.

To get a Michigan health insurance (Accident & Health) license, you must be at least 18 years old, complete 20 hours of pre-licensing education from a Michigan-approved provider, and pass the licensing exam. The Accident & Health exam has 100 items in 2 hours with a 76% cut score. You then apply through the National Insurance Producer Registry (NIPR), paying a $10.00 state fee plus a $5.00 transaction fee.

A Minnesota Accident & Health license requires 20 hours of approved prelicensing education for that line, a passing score of 70% on the PSI exam ($45 fee), and fingerprints for a criminal history check ($66.75 electronically at a PSI test center, or $35.00 manually). You submit the application online through Sircon or NIPR's LicenseHub, paying $50 plus $50 for the line of authority plus the technology fee.

You must complete 20 hours of prelicensing education for the Accident and Health line, pass the Pearson VUE exam with a score of at least 65%, and pay the $100 license fee. You must also be at least 18 years old. Applications are submitted through the state's Sircon or NIPR portals.

To sell health insurance in Missouri, you must be at least 18, pass the Accident and Health or Sickness producer exam, and submit an application with a $100 fee. Missouri requires no pre-licensing education for producers. Pearson VUE administers the exam (code 51) for a $32 fee, and a scaled score of 70 is required to pass. Exam scores stay valid for one year, so the application must be filed within that window.

Montana requires you to be at least 18 years old and a resident of the state, and you must have passed the Accident & Health (Disability) exam within one year before applying. The exam, given by Pearson VUE, costs $65 and requires a score of 75% or better. You must also submit fingerprints for a state and federal background check, with a $30.00 payment payable to Montana Criminal Records, and apply through NIPR, which charges no resident producer application fee.

To sell health insurance in Nebraska you need the Accident & Health or Sickness producer line, which requires passing the PSI exam with a 70% score for a $43 fee. You must be at least 18 and maintain your principal place of residence in Nebraska. After passing, apply online at NIPR.com with the $50 resident fee; PSI uploads results to the department within 2-3 business days, and application processing takes 3-5 business days.

You must be at least 18, pass the Pearson VUE Health exam with a scaled score of 70, submit fingerprints within 90 days of applying, and apply through Sircon or the National Insurance Producer Registry (NIPR) within one year of passing. Nevada requires no prelicensing education hours. The state application fee is $185, and NIPR recommends waiting at least 48 hours after your score posts before applying.

New Hampshire requires health insurance applicants to be at least 18 years old and to pass the Accident and Health exam, PSI series 12-62, which costs $59. No prelicensing course is required, and the state has no fingerprint requirement for insurance licensing. After passing, submit the license application online through the National Insurance Producer Registry (NIPR) with the $210 fee. The Insurance Department processes clean electronic applications within 24 hours of receipt.

To sell health insurance in New Jersey you need the Accident and Health or Sickness producer authority. You must be at least 18 years old, complete 20 hours of approved prelicensing education, pass the PSI exam with a minimum score of 70%, complete Live Scan fingerprinting, and apply online through NIPR. The standard electronic application totals $170 in state fees.

You must be at least 18 years old, pass the accident and health or sickness insurance producer exam with a score of at least 70%, and submit fingerprints for a state and federal background check. The background check costs $67 through IdentoGO using OSI service code 2BH27J, and the report is only valid for 90 days. You then file the $30 application online through the National Insurance Producer Registry (NIPR).

New York requires accident & health license applicants to be at least 18 years old, complete a 20-hour Department-approved prelicensing course (40 hours for the combined life, accident & health license), and pass the PSI exam with at least 70% correct. The resident license fee is $80, or $40 when the license term is one year or less, and residents apply online through NIPR. A candidate for the agent license who holds the CLU or CLUA designation may waive the education requirement.

You must be at least 18, submit the application online at www.nipr.com, pass the Accident and Health or Sickness exam, and submit electronic fingerprints with a $38 fee for the state and federal criminal history check. The exam has 55 scored questions plus 5 pretest questions in 1 hour 15 minutes, the passing score is 70, and each attempt costs $45 paid to Pearson VUE. No prelicensing education is required. You cannot sell health insurance until an insurance company appoints you.

You must be at least 18, be a North Dakota resident or maintain a principal place of business in the state, and have no insurance license revoked or suspended in any state. You must pass the Accident and Health exam (70% to pass, $64 fee) and complete a fingerprint-based criminal history record check. You then submit the application electronically through the National Insurance Producer Registry (NIPR) with the $100 fee; a felony conviction involving dishonesty or breach of trust bars licensure.

To get an Ohio Accident & Health license, you must be at least 18, complete 20 hours of pre-licensing education from an approved provider for the line, and pass the PSI Accident & Health exam (100 questions, 2 hours, minimum score of 70%). You must also submit fingerprints for BCI and FBI background checks and apply through NIPR with a $10 fee. The course completion certificate is valid for 180 calendar days.

Oklahoma requires you to be at least 18, to be a US citizen or hold a valid visa or I-94 card, and to pass the Accident & Health or Sickness exam with 70% correct. No pre-licensing course is required. After passing, wait 3 business days for results to transmit, then apply online; a conviction for a felony involving dishonesty requires an approved 1033 waiver before you may continue.

To get an Oregon health insurance license, you must be at least 18 years old, be a resident of Oregon (or maintain a place of business there), and complete 20 hours of health prelicense education from an approved provider. You must then pass the PSI Health exam (series 12-02, $45) with at least 70% and submit fingerprints ($61.25) for a state and national background check. The license application is filed online through NIPR.

To get a health (Accident and Health) license in Pennsylvania, you must be at least 18, maintain a primary residence or business location in the state, and pass the Accident and Health exam (16-02, $45) or the combined Life, Accident and Health exam (16-03, $55) with a score of at least 70%. New resident producers must also be fingerprinted at an IdentoGO center after applying. The resident application fee is $55, and you must submit the application within one year of passing the exam.

To get an Accident & Health producer license in Rhode Island, you must be at least 18 years old, pass the Pearson VUE exam (scaled score of 70, $80 fee), and obtain a certified background check from the Rhode Island Attorney General. Non-citizens must email proof of eligibility to work in the U.S. After exam results post to NIPR, apply online and pay the $120 resident license fee; producers selling insurance must also carry errors and omissions insurance.

You must be at least 18 years old, pass the Accident and Health exam, and apply online through the National Insurance Producer Registry (NIPR). The exam costs $59 through Pearson VUE, and the license fee is $25. South Carolina requires no prelicensing education, so you can register for the exam directly. Resident applicants must also submit fingerprints after applying.

To qualify for an accident and health or sickness producer license in South Dakota, you must be at least 18 years old, pass the written exam for that line of authority, and pay the required fees ($25 application fee plus a service fee). No pre-licensing education is required. After passing the exam, you submit the resident producer application online through the National Insurance Producer Registry (NIPR).

To sell health insurance you need the General Lines Life, Accident, Health and HMO license. The requirements are: be at least 18 years old, pass the Pearson VUE licensing exam, complete IdentoGO fingerprinting, and apply through Sircon or NIPR within one year of passing the exam, paying the $50 application fee. TDI processes most applications within one business day.

You must be at least 18 years old, be a Utah resident, provide a Social Security Number, pass the Prometric exam for the Accident & Health line, and meet character requirements under Utah Code 31A-23a-107. Utah requires no pre-licensing course. After passing, you apply online through SIRCON or NIPR and are fingerprinted at a Prometric test center for state and FBI background checks, and you must apply within 90 days of passing the exam.

To qualify for a health insurance license in Vermont, you must be at least 18 years old, be deemed competent, trustworthy, and financially responsible by the commissioner, and pass the written Accident and Health exam. Vermont requires no prelicensing education hours. After passing, you must wait 48 hours before submitting an electronic application through the National Insurance Producer Registry (NIPR); the state fee is $60, and routine applications are generally issued within 48 hours.

To get a Virginia health agent license, you must be at least 18 years old, pass the Health exam (Series 11-06, 105 total questions, 2 hours) through Prometric, and apply through the National Insurance Producer Registry (NIPR) with a $15 fee. No prelicensing course is required. Resident applicants must also be fingerprinted at a Fieldprint location, and fingerprints must be no more than 90 days old when the application is submitted.

To sell health insurance in Washington, you need the disability line of authority on a producer license; the state uses "disability" to mean health, accident, and sickness. You must pass the Disability Producer exam (100 questions, 150 minutes, $38 fee) with at least 70%, apply online for the $55 full-lines license, and submit fingerprints for a background check. Pre-licensing education is not required.

To sell health insurance in West Virginia you need a producer license with the Accident & Sickness line of authority. You must complete 20 hours of approved pre-licensing education, pass the Pearson VUE exam (90 questions, 120 minutes, $84 fee), and get fingerprinted through Identogo using service code 228NS5 ($47.25). You then apply through NIPR with a $50 fee, and you must be a West Virginia resident who is 18 or older.

To get Wisconsin's health insurance license (the Accident and Health or Sickness line), complete 20 hours of prelicensing education with an approved provider, covering 8 hours of principles, Wisconsin law, and ethics plus 12 hours of line-specific content. Get fingerprinted through Fieldprint ($34.75), then pass the series 22-03 exam with PSI for a $75 fee, scoring at least 70%. Wait 48 to 72 hours after passing and apply online through NIPR; residents pay $75 for the line of authority plus a $10 application fee.

Wyoming residents must be at least 18 years old, pass the Wyoming Insurance Licensing Exam for the Accident and Health or Sickness line of authority, and apply online through Sircon with the $100 resident fee. Residents must also submit fingerprints for a background check ($39), and the fingerprinting packet is mailed only after the application is received. The typical turnaround from application to issuance is 30 days.