What is a licensed health insurance agent, and what does having a health insurance license mean?

A licensed health insurance agent is a producer licensed under the accident and health or sickness line of authority, which allows the holder to sell, solicit, or negotiate health coverage such as medical, dental, and disability insurance. Earning the license requires completing any state-required prelicensing education, passing the state exam, and clearing a background check. States issue this as a separate license from property and casualty, so a health agent who wants to sell auto or home coverage needs an additional license.

A licensed health insurance agent holds the Accident & Health or Sickness line of authority on an Alabama producer license, which authorizes the holder to sell health and disability insurance in the state. To earn it, you must be at least 18, pass the Alabama Health exam (100 questions, 2 hours, 70 correct answers to pass), and apply through NIPR. Alabama requires separate lines of authority to sell life and health insurance versus property and casualty insurance.

A licensed health insurance agent is a producer who holds the Accident & Health or Sickness line of authority on an Alaska insurance producer license, which authorizes the holder to sell health coverage in the state. To qualify, an Alaska resident must be 18, pass the Accident & Health exam through Pearson VUE with a scaled score of 70, and apply for the license through NIPR. Alaska requires no prelicensing education for this line.

A licensed health insurance agent holds a producer license with the Accident and Health or Sickness line of authority, which permits selling that coverage in Arizona. You must pass the PSI exam for that line ($50 fee, 70% to pass), complete electronic fingerprinting, and apply through the National Insurance Producer Registry with the $120 license fee. Arizona does not require pre-licensing education.

A licensed health insurance agent holds the Accident & Health or Sickness line of authority, which permits selling, soliciting, and negotiating health insurance in Arkansas. To qualify, complete a 20-hour prelicensing course for the line, apply through NIPR, clear a criminal background check, and pass the 2.5-hour PSI exam with a score of at least 70%. The license renews every 2 years with 24 hours of continuing education, including 3 hours of ethics.

In California, a health insurance agent holds the Accident and Health or Sickness agent license, which authorizes the licensee to transact coverage for sickness, bodily injury, accidental death, and disability income benefits. To earn the license, you must be at least 18, complete the 12-hour ethics and California Insurance Code course, pass the Accident and Health exam (75 questions, 60% to pass), pay the $188 two-year filing fee, and submit fingerprints.

A health insurance agent is a producer licensed in the Accident & Health line of authority, which allows the holder to sell health and related coverage. To earn it in Colorado, complete 50 hours of prelicensing education, pass the Pearson VUE Accident & Health exam (2 hours, 80 scored questions), and apply at sircon.com/colorado or nipr.com for $44 per line of authority. The license renews every two years with 24 continuing education credits.

A licensed health insurance agent holds the Accident & Health or Sickness line of authority on a Connecticut insurance producer license, which is the authority to solicit, negotiate, or sell health coverage. To get it, complete 20 hours of pre-licensing education, pass the Pearson VUE exam (70% passing score, $65 exam fee), and apply through the National Insurance Producer Registry (NIPR) with a $140 application fee. Resident producers then complete 24 hours of continuing education each two-year renewal period.

In Delaware, the terms "insurance agent," "insurance broker," and "insurance consultant" are all interchangeable with "insurance producer" under the licensing law. A health insurance license is the Accident and Health or Sickness line of authority, and it authorizes you to transact that class of insurance in the state. To earn it, you pass the Pearson VUE Accident and Health exam, submit fingerprints for state and FBI criminal history reports, and apply through NIPR.

A licensed health insurance agent holds a producer license with the Accident and Health or Sickness line of authority, which authorizes selling health insurance in the District of Columbia. To earn it, you must meet DC's minimum age requirement, pass the Pearson VUE Health exam ($75 fee), submit fingerprints through Fieldprint, and apply at nipr.com within 1 year of passing.

A licensed health insurance agent holds Florida's 2-40 Health Agent license. Under that license you are appointed by a health insurer or health maintenance organization to solicit, negotiate, and effectuate health insurance covering loss through sickness or accidental bodily injury. To get it, you complete a 40-hour approved health prelicensing course within four years of applying, pass the state exam, apply through MyProfile, and submit fingerprints. The license requires an appointment to stay valid and expires if unappointed for 48 months.

In Georgia, health insurance falls under the Accident and Sickness line of authority, so a health insurance license authorizes you to sell health and related coverage. To earn it, complete an 8-hour Accident and Sickness prelicensing course, pass the Pearson VUE exam, and apply at sircon.com/georgia with the $120 fee, electronic fingerprints, and a notarized Citizenship Affidavit (GID-276-EN).

A licensed health insurance agent (called a producer in Idaho) may sell, solicit, or negotiate health coverage under the Accident, Health and Sickness line of authority. To earn it, pass the ID Disability/Health Producer exam ($65, 120 minutes, 75 scored questions), submit fingerprints for a background check, and apply online through the National Insurance Producer Registry (NIPR) with the $80 fee. Idaho requires no pre-licensing education.

A licensed health insurance agent in Illinois is a producer authorized to sell Accident and Health coverage. To earn the license, complete 20 hours of pre-licensing education for the Accident/Health line (7.5 hours in a classroom or webinar), pass both the General and State exams through Pearson VUE, then apply online through NIPR and pay the $215 resident fee. The license lets you solicit and sell health products for the insurers that appoint you.

A licensed health insurance agent is authorized to sell health insurance in Indiana, and the license is the state's permission to transact that line of insurance. To earn it, you complete a state-approved pre-licensing course, pass the Pearson VUE Health exam (95 questions, 120 minutes, $69 fee, 70% passing score), and apply online with a $40 fee. After licensing, you must complete 24 hours of continuing education every 2 years, including 3 ethics hours because you hold an Accident & Health line.

A licensed health insurance agent in Iowa holds a producer license with the accident and health line of authority. To earn it, you must be at least 18, hold a valid Social Security number, and pass the Accident & Health exam through Pearson VUE (2 hours, $44, 80 scoreable questions). After passing, submit your application and license fee online through the National Insurance Producer Registry (NIPR) within 90 days.

A health insurance agent holds an insurance producer license with the Accident and Health or Sickness line of authority, which permits selling health coverage in Kansas. To get it you must be 18 or older, pass the Kansas Accident and Health Producer exam (70% passing score, $57 fee), complete the fingerprint background check, and submit the NAIC Uniform Application through NIPR. Exam scores are valid for two years.

A licensed health insurance agent holds a Kentucky agent license with a health line of authority, which covers insurance for sickness, bodily injury, or accidental death, and may include disability income and paid family leave benefits. To earn it, complete 20 hours of prelicensing training for the health line, pass the health examination with a score of 70%, and pay the $40 license fee, $40 line-of-authority fee, and $50 exam fee. With the license, you may sell health coverage for the insurers that appoint you.

In Louisiana, a health insurance agent is a producer licensed for the Health and Accident or Sickness line of authority. To qualify, you pass the PSI Series 102 exam ($36 fee), which requires no prelicensing education, then file the license application through the National Insurance Producer Registry (NIPR) and complete fingerprinting through IdentoGo.

A licensed health insurance agent in Maine is a producer who holds the Accident and Health line of authority, which permits the producer to sell health policies. To earn it, meet the education or experience requirement, pass the 2-hour Accident and Health Producer exam with a scaled score of 70, and submit the $25 resident producer application.

A licensed health insurance agent holds a Maryland producer license in the Health line, which the state's exam system labels Accident and Health or Sickness. The license lets the holder solicit, negotiate, and sell health coverage. To earn it, you must pass the Prometric exam with a score of 70% or higher and pay the $65 exam fee, then submit the application with the $54 fee through the National Insurance Producer Registry (NIPR) online system.

A licensed health insurance agent in Massachusetts is a producer authorized to sell accident and health or sickness coverage. To earn it, you pass the Accident and Health or Sickness producer exam through Pearson for $37, needing a scaled score of 70, then apply through the National Insurance Producer Registry (NIPR). The exam has 80 scored questions, 50 on general knowledge and 30 on Massachusetts law, plus unscored pretest questions.

A health insurance license in Michigan is the Accident and Health line of authority on a producer license, and it lets you sell, solicit, or negotiate accident and health insurance. To get it, you complete 20 hours of pre-licensing education, pass the Accident and Health Producer exam (100 items in 2 hours with a 76% cut score), and apply through the National Insurance Producer Registry (NIPR) with a $10.00 state fee plus a $5.00 transaction fee.

In Minnesota, a health insurance agent is a licensed producer authorized to sell coverage under the Accident & Health line of authority. The license means the Department of Commerce has verified that you completed 20 hours of prelicensing education, passed the PSI exam with at least 70% correct, cleared a fingerprint-based criminal history check, and paid the license fees. You must also complete 24 continuing education hours, including 3 hours of ethics, during each licensing period to keep it.

A licensed health insurance agent holds the Accident & Health line of authority on an insurance producer license, which authorizes selling health insurance in the state. To qualify, you complete 20 hours of Accident & Health pre-licensing education, pass the Pearson VUE exam (passing score 65%), and submit the $100 application at sircon.com or nipr.com. You must be at least 18 and be appointed by an insurance company before selling.

A licensed health insurance agent is a producer authorized to sell Accident and Health or Sickness coverage. To get this license in Missouri, you must be 18, pass the Accident and Health Insurance Producer exam (code 51, $32, 90 scored questions plus pretest items), and apply through NIPR with the $100 fee. Missouri requires no prelicensing education.

In Montana, a health insurance agent is an insurance producer licensed in the Disability (Health) line of authority, which allows the holder to sell health and disability insurance. To earn it, pass the Accident and Health exam through Pearson VUE (92 scoreable questions, 75% to pass), apply through NIPR, and submit fingerprints for the criminal background check.

A licensed health insurance agent holds the Accident & Health or Sickness line of authority, which permits selling, soliciting, or negotiating health insurance in Nebraska. To earn it, you must be at least 18, have your principal residence in Nebraska, pass the $43 exam with a 70% score, and apply at the National Insurance Producer Registry (NIPR) website with a $50 fee. Health licensees who sell long-term care must also complete a one-time 8-hour training course plus a 4-hour refresher every 24 months.

A licensed health insurance agent is a producer with the authority to sell, solicit, and negotiate health insurance in the state. In Nevada, you earn this authority by passing the Pearson VUE Health exam with a scaled score of at least 70, submitting fingerprints, and applying for the $185 producer license through Sircon or NIPR. A passing exam score alone does not authorize selling; you must be licensed and appointed at the time of the transaction.

A health insurance agent holds a producer license with the Accident and Health line of authority, which permits the holder to sell, solicit, or negotiate health coverage in New Hampshire. To get one, you must be at least 18, pass the PSI Accident and Health exam (series 12-62, $59), and apply online through NIPR with the $210 license fee. New Hampshire has required no prelicensing course since 2008.

A licensed health insurance agent holds an accident and health or sickness authority on a New Jersey producer license, which permits the agent to sell health coverage. To earn it, complete 20 hours of approved prelicensing education in accident and health, pass the PSI exam for that line with at least 70%, complete Live Scan fingerprinting, and apply online through NIPR. The authority is added to the producer license rather than issued as a separate license.

A health insurance agent holds the accident and health or sickness line of authority on a New Mexico producer license, which permits selling health coverage in the state. To earn it, pass the exam for that line with a score of at least 70%, complete the $67 fingerprint background check, and apply online through NIPR with the $30 fee. Agents selling long-term care insurance must also complete 8 hours of long-term care (LTC) training before transacting that business.

A licensed health insurance agent in New York holds the accident and health line of authority, which authorizes the agent to sell, solicit, or negotiate accident and health insurance for appointed insurers. To get licensed, you must be at least 18, complete 20 hours of Department-approved prelicensing education, and pass the accident and health exam administered by PSI Services. An agent must have at least one company appointment on file to sell insurance, or the license is considered inactive.

A health insurance agent in North Carolina holds the Accident and Health or Sickness license. That line of authority covers individual and group health, major medical, cancer, critical illness, and disability products. To get it, you must be at least 18, apply at nipr.com, and pass the exam, which allows 1 hour 15 minutes and includes 55 scored questions plus 5 pretest questions.

A licensed health insurance agent is an insurance producer who holds the accident and health or sickness line of authority, which permits selling health coverage in North Dakota. To earn it, you must be at least 18, pass the PSI Accident and Health exam ($64, 110 items, 70% needed to pass, 150 minutes), submit fingerprint cards, and apply through the National Insurance Producer Registry (NIPR) with the $100 fee. Separate licenses are required for life and health products versus property and casualty products.

A licensed health insurance agent holds the Accident & Health line of authority, which permits selling health-related coverage such as health plans, disability, and long-term care products. To earn it, complete 20 hours of pre-licensing education, pass the Accident & Health exam (100 questions, 2 hours, 70% passing score), complete fingerprint background checks, and apply through NIPR. The application fee is $10.

A licensed health insurance agent is a producer authorized to sell, solicit, or negotiate accident and health or sickness coverage. To earn the Oklahoma license, pass the PSI Accident & Health or Sickness exam, which costs $38 and requires a 70% score. Then wait 3 business days for results to post and apply online through the National Insurance Producer Registry (NIPR); the resident license fee is $60.

A licensed health insurance agent is an insurance producer authorized to sell, solicit, or negotiate health insurance in Oregon. To earn the license, complete 20 hours of health prelicensing education, pass the Health exam (Series 12-02, $45, 70% to pass), submit fingerprints for a background check, and apply online through NIPR. After licensing, you must complete 24 hours of continuing education every two years, including 3 hours of ethics and 3 hours of Oregon law.

A licensed health insurance agent holds the Accident and Health line of authority on a state producer license, which permits the holder to sell, solicit, or negotiate health insurance. To get one in Pennsylvania, pass the Accident and Health exam (16-02) through PSI with a minimum score of 70%, then apply online through Sircon or NIPR for the $55 resident fee. Resident applicants must also submit fingerprints at an IdentoGO center.

A licensed health insurance agent is an insurance producer who holds the Accident & Health or Sickness line of authority, which permits the sale, solicitation, and negotiation of health insurance policies. In Rhode Island, you earn this line by passing the Pearson VUE Accident & Health Producer exam, providing a certified background check (BCI), and applying through the National Insurance Producer Registry (NIPR) with the $120 resident fee. The license runs on a two-year term, and you must complete 24 continuing education hours, including 3 ethics hours, each biennial period.

A health insurance license in South Carolina is a producer license with the Accident and Health or Sickness line of authority, which authorizes you to sell, solicit, and negotiate health insurance. To get it, pass the Accident and Health exam with Pearson VUE ($59), apply for the $25 license through the National Insurance Producer Registry (NIPR), and submit fingerprints as a resident applicant. Passing exam results are valid for 12 months.

A licensed health insurance agent is an insurance producer who holds the accident and health or sickness line of authority. In South Dakota, that line covers sickness, bodily injury, accidental death or dismemberment, and disability income. To earn it, you pass the exam for that line, apply online through NIPR, and pay the $25 resident licensing fee plus a service fee.

In Tennessee, a health insurance agent is an insurance producer holding the Accident and Health line of authority, licensed to sell, solicit, or negotiate health coverage. To earn it, you must be at least 18, complete 20 hours of pre-licensing education, and pass the Pearson VUE Accident and Health exam with a score of at least 70%. You then submit fingerprints and file a $50 application at NIPR, and you may act as an agent once an insurer appoints you.

A licensed health insurance agent in Texas sells accident, health, and HMO coverage under the General Lines Life, Accident and Health license. To earn it, pass the Pearson VUE exam (100 general questions plus 30 state questions, $49 fee), get fingerprinted, and apply within one year of passing with the $50 fee. After licensing, complete 24 hours of continuing education every two years, including 3 hours of ethics.

A licensed health insurance agent in Utah is a producer who holds the Accident & Health or Sickness line of authority, which authorizes selling health-related products. To earn it, you must be at least 18, be a Utah resident, pass the Prometric Accident & Health exam (100 questions, 2 hours), apply online through SIRCON or the National Insurance Producer Registry (NIPR), and be fingerprinted. The license alone does not let you transact; you need an insurer appointment or an agency designation for that.

A health insurance agent is a producer who holds Vermont's Accident and Health or Sickness line of authority, which allows the licensee to sell, solicit, and negotiate health coverage. You earn it by passing the Producer's Accident and Health or Sickness exam ($52), or the combined Life, Accident and Health exam ($67.60), then applying through NIPR. Agents who help consumers enroll through the federal Marketplace must also complete the annual registration and training that the Centers for Medicare and Medicaid Services (CMS) requires on the Marketplace Learning Management System (MLMS).

A licensed health insurance agent is authorized to sell, solicit, or negotiate health insurance in Virginia; the health agent license is one of the agent licenses the Commission issues under Va. Code § 38.2-1824. To get one, you must be at least 18, pass the Prometric Series 11-06 Health exam, complete fingerprinting at a Fieldprint location, and pay a $15 application fee per line of authority. You cannot sell health insurance until the Bureau of Insurance issues your license.

In Washington, a licensed health insurance agent is a producer who holds the disability line of authority. The state uses "disability" as its term for health, so Health, Disability, and Accident/sickness all mean the same line. To earn it, you pass the disability producer exam through PSI with at least 70%, apply for your license online, and submit fingerprints for a background check; the OIC cannot issue the license until it receives the background check results.

A health insurance agent is a producer licensed to sell, solicit, or negotiate Accident & Sickness (Health) insurance products. In West Virginia, the license requires 20 hours of pre-licensing education, a passing score on the Pearson VUE Accident & Health or Sickness exam (90 questions, 120 minutes, 70 scaled score to pass), an $84 exam fee, fingerprinting through Identogo, and a $50 application through NIPR.

In Wisconsin, a health insurance agent is an intermediary holding the Accident and Health or Sickness line of authority, which the state also calls disability insurance. It authorizes you to sell health insurance products in Wisconsin. To earn it, you must complete 20 hours of prelicensing education, submit fingerprints, pass the PSI exam (series 22-03), and apply through NIPR, paying the $75 license fee plus the $10 application fee.

A licensed health insurance agent is a producer who holds the Accident and Health or Sickness line of authority, which authorizes selling, soliciting, and negotiating health insurance in Wyoming. To get licensed you must be 18 or older, pass the Wyoming Insurance Licensing Exam for that line through Pearson VUE, apply online through Sircon, pay the $100 resident fee, and submit fingerprints after your application is received.