17 Free Nevada Health Insurance Exam Practice Questions (2026)

Nevada's health questions draw on the Accident and Health-General Knowledge part of Pearson VUE's content outline: 50 scored items in five sections, Types of Policies at 16, Policy Provisions, Clauses and Riders at 15, Social Insurance at 6, Other Insurance Concepts at 5 and Field Underwriting Procedures at 8. On the combined Life and Health exam it is one of three parts, alongside 50 scored items of Life-General Knowledge and 44 of Nevada-specific law.

Candidates who take Health as its own single-line exam face 98 items, 88 of them scored, in 2 hours 15 minutes for $37, with the same scaled score of 70 as the passing standard, a score on a 0-100 scale and not a count of questions answered correctly. That exam can be taken at a Pearson VUE test center or online through OnVUE, where a candidate gets two attempts before any further attempt has to be at a test center. Nevada requires no pre-licensing course, and resident applicants are fingerprinted after they apply for the license, not before the exam.

These 17 questions come from Chapters 5 and 6 of LanePrep's Nevada Life & Health quiz bank, none of them repeated from the free 25-question sample across the whole exam: 6 on health and disability products (Chapter 5) and 11 on health policy provisions, underwriting and social insurance (Chapter 6). On the combined exam those chapters are worth 16 and 34 of the 144 scored items, which is the 50-item Accident and Health-General part. The grouping is LanePrep's, not Pearson VUE's: Chapter 5 teaches the Types of Policies section, and Chapter 6 teaches the other four sections together. Nevada law is sampled in the free 25-question set. Each question shows its chapter, so a miss tells you exactly which audio lesson to replay.

For context, the NAIC's first-time pass rate on the single-line Health exam was 59.0 percent in 2024 and 58.2 percent in 2025, with test center and online candidates combined in both years.

Work them before you read the answer. Every question has the explanation folded underneath it. Guessing and then reading is worth more than reading and then agreeing.

Chapter 5 opens the Health set with types of policies: the activity of daily living that can trigger benefits under a long-term care policy, how an "Any Occupation" definition limits who counts as totally disabled, and which of two group health plans pays first for a child covered under both parents' plans. It then asks which injury a standard health policy typically excludes, what a disability policy pays a carpenter who can still do part of his job, and what the first number in a vision plan's frequency limit means.

Chapter 6 supplies the rest of the set, beginning with policy provisions: the date by which a claimant should notify the insurer of a covered loss on March 1st, then the waiting period for Social Security Disability Insurance benefits and the definition of partial disability. Three more disability questions follow: what a Waiver of Premium rider does after the insured has been disabled for several months, how a Recurrent Disability provision treats a relapse, and how a non-occupational policy responds to an injury at work.

Chapter 6 closes the Health set with paperwork and cost questions: the form the producer and applicant both sign when a client replaces a health policy, when a health plan must give an insured its Notice of Privacy Practices, and how to calculate a residual disability benefit for an insured who returns to work part-time. The last two questions cover Medicare supplement coverage and Health Savings Accounts: how long the guaranteed Medigap open enrollment period lasts for someone who has just enrolled in Medicare Part B, and which type of health plan an individual must have to open and contribute to an HSA.

Treating everyday tasks as the benefit trigger. A long-term care policy typically pays when the insured cannot perform a set number of the standard Activities of Daily Living: bathing, dressing, toileting, transferring, continence and eating. Transferring means moving in and out of a bed or chair. Driving a vehicle, cooking a meal and speaking a second language are not ADLs, however demanding they are.

Blurring the disability definitions. An Any Occupation definition is stricter than Own Occupation. The insured counts as totally disabled only when unable to perform the duties of any occupation for which education, training or experience reasonably suit the insured, not merely the insured's own job and not every conceivable job. Partial disability applies when an insured can perform some but not all of the duties of the job, or can work only part-time, and it usually pays a flat share of the total disability benefit for a limited period. Questions 5 and 9 test it from two directions. Residual disability pays in proportion to lost income instead: divide the income lost by the income before the disability, then apply that percentage to the total disability benefit. Question 15 is that calculation.

Misreading waiting periods and relapses. A Waiver of Premium rider has a waiting period. Once the insured has been disabled that long, the insurer waives future premiums for as long as the disability continues and refunds the premiums paid during the waiting period. A Recurrent Disability provision defines a period during which a relapse of the same or a related condition counts as a continuation of the earlier disability, so no new elimination period is required. In question 11 the relapse falls inside that period, so the second disability continues the first.

Choosing the primary plan for the wrong reason. Under the Birthday Rule, the primary plan for a dependent child is the plan of the parent whose birthday, counting month and day only, falls earlier in the calendar year. The year of birth, the head-of-household label and the length of employment do not matter.

Expecting every injury to be covered. Standard exclusions in an individual health policy include injuries sustained while committing a felony, self-inflicted injuries, acts of war and injuries covered by Workers' Compensation. The other options in question 4, professional sport, an illness on vacation abroad and a chronic condition diagnosed years after issue, are not the standard exclusions the question is looking for. A non-occupational policy excludes injuries and illnesses that occur on the job and are covered by Workers' Compensation, so the claim in question 12 is excluded, not paid in full, paid in part or paid and then recovered from the employer.

Reading limits and waiting periods the wrong way. A vision plan's frequency limit lists, in order, how often the plan pays for an exam, lenses and frames, and each figure counts months. The first figure is the number of months between eye examinations, not a dollar amount for frames, a lens count or a grace period. Social Security Disability Insurance has a waiting period counted in full months, and benefits begin only after it ends. It is not the elimination period of a private policy.

Confusing the claim clocks. Notice of claim is the first clock: the insured gives written notice within the number of days the provision sets, counted from the date the loss occurs or begins. In question 7, count forward from the March 1st loss date. Proof of loss is a separate and later requirement. Nevada's individual health policy provisions call for written proof of loss within 90 days (NRS 689A.110) and require claims to be paid immediately upon due written proof (NRS 689A.120).

Mixing up the required notices. When a client replaces existing health coverage, the producer and the applicant both sign a Notice Regarding Replacement, which lists the reasons for the replacement and warns of the possible loss of benefits. A Buyer's Guide, a Policy Summary and a Certificate of Authority are different documents. The Notice of Privacy Practices that federal health privacy rules require is given when coverage starts, and the plan must remind insureds at regular intervals that it is available. It is not limited to written requests, claim denials or policy lapses.

Misjudging Medigap and HSA eligibility. The Medigap open enrollment period is a fixed number of months that begins on the first day of the month in which the person meets the age requirement and is enrolled in Medicare Part B. During it, insurers cannot refuse a policy or charge more because of health status. It is neither a brief grace window nor a permanent right, and Nevada regulates Medicare supplement policies under NAC 687B.220, .226 and .250. To open and contribute to a Health Savings Account, an individual must be covered by a High Deductible Health Plan that meets the minimum deductible and maximum out-of-pocket limits set by the tax rules. A standard PPO with a low deductible fails that test, an HMO qualifies only if it meets the same limits, and Medicare Part B is not a high deductible health plan.

How did you score?

13 or more correct: You're clearing most of the health sections. Move to the Life insurance exam set next, then read how to pass the Nevada Life & Health exam on the first try for the full study plan.

9-12 correct: You're in reasonable shape but not comfortable. Note which chapter your misses fell in and replay that chapter's audio lesson before retesting.

Under 9 correct: Start with Chapter 5 of the LanePrep Nevada Life & Health course and work forward through Chapter 6 rather than testing yourself again right away. A free preview is available at /nv/l-and-h/preview, no signup required.

For a 25-question sample across the whole exam, see the free practice set.

Exam format, fees and content outline item counts from Pearson VUE's Nevada Insurance Licensing Candidate Handbook (publication 122900, October 2024) and Nevada Insurance Content Outlines (publication 122903, 07/2026 edition); passing score from NAC 683A.270; individual health policy provisions from NRS 689A; Medicare supplement rules from NAC 687B; pass rates from the NAIC compiled pass-rate workbooks for 2024 and 2025. Read October 2026.