17 Free Kansas Life & Health Practice Questions: Kansas Accident & Health Insurance Law (2026)
How to Use This Kansas Health Law Set
Kansas law pertinent to health insurance only is Section XII of Pearson's Kansas outline: 11 of the 140 scored items. With Section X (18 items, common to all lines) and Section XI (11 items, life only), Kansas law makes up 40 items, or 28.6% of the exam.
The outline ties each topic to a citation: individual and group accident and health provisions (K.S.A. 40-2203 and 40-2209), newborn and adopted-child coverage (K.S.A. 40-2,102), maternity benefits, the grace period on individual policies (K.S.A. 40-2203), coordination of benefits, the Small Employer Health Insurance Availability Act, blanket insurance, Medicare supplement insurance (K.A.R. 40-4-35), long-term care (K.S.A. 40-2225 through 40-2228 and K.A.R. 40-4-37a through 37v), advertising (K.A.R. 40-9-100) and the Affordable Care Act. These 17 questions come from LanePrep's Kansas Life & Health quiz bank and mix the Kansas statutes with the federal rules that sit beside them.
Learn the grace period table first. It is the kind of rule the exam asks in more than one way, because the answer changes with the premium mode.
Practice Questions 1-6: Grace Periods, Family Coverage, Advertising and Small Employers
Which grace period applies to a monthly premium, when coverage for an adopted child begins, the minimum hospital stay after childbirth, what makes an advertisement misleading, the essential health benefits and the longest waiting period a small employer's plan may impose.
Question 1 (Chapter 8)
John owns an individual accident and health policy in Kansas and pays his premiums on a monthly basis. If John misses his premium payment due on October 1st, what is the minimum grace period required by Kansas statute before the policy can lapse?
- A) 7 days
- B) 31 days
- C) 45 days
- D) 10 days
Show answer & explanation
Answer: D
K.S.A. 40-2203 mandates specific grace periods for individual health policies: 7 days for weekly premium policies, 10 days for monthly premium policies, and 31 days for all others. Since John pays monthly, he is entitled to a 10-day grace period.
Question 2 (Chapter 8)
A Kansas couple is in the process of adopting a child. The child is placed in their home for adoption on August 15th. According to K.S.A. 40-2,102, when must their family health insurance policy begin covering the adopted child?
- A) On the date the adoption is legally finalized by a court
- B) 31 days after the child is placed in the home
- C) Only after the child has lived in the home for six months
- D) From the moment the child is placed in the custody of the insured
Show answer & explanation
Answer: D
K.S.A. 40-2,102 requires that health insurance policies provide coverage for an adopted child from the moment of placement in the custody of the insured, regardless of whether the adoption has been finalized.
Question 3 (Chapter 8)
A Kansas health insurance policy provides maternity benefits. Under K.S.A. 40-2,160, what is the minimum required hospital stay for a mother and her newborn following a normal vaginal delivery, unless the mother and attending provider agree to an earlier discharge?
- A) 24 hours
- B) 72 hours
- C) 96 hours
- D) 48 hours
Show answer & explanation
Answer: D
K.S.A. 40-2,160(b) requires a health plan that provides coverage for maternity services, including childbirth, to cover at least 48 hours of inpatient care following a vaginal delivery and at least 96 hours following delivery by caesarean section for the mother and newly born child. Under subsection (c), a decision to shorten the inpatient stay below those minimums is made by the attending physician. For a normal vaginal delivery the minimum is therefore 48 hours; 96 hours is the caesarean minimum, and 24 and 72 hours are not statutory minimums.
Question 4 (Chapter 8)
An insurance company's advertisement for a health policy uses the phrase 'This policy pays for all your medical expenses.' According to K.A.R. 40-9-100, why might this be considered a violation?
- A) Because it fails to disclose exclusions, reductions, and limitations
- B) Because it is too long for a standard billboard
- C) Because it uses the word 'medical' instead of 'healthcare'
- D) Because advertisements cannot mention expenses
Show answer & explanation
Answer: A
K.A.R. 40-9-100 adopts the NAIC model regulation on advertisements of accident and sickness insurance. Under that model an advertisement must be truthful and not misleading, must disclose the exceptions, reductions and limitations that affect a policy's basic benefits, and may not use words such as 'all' or 'full' in a way that exaggerates a benefit beyond the policy's terms. Saying a policy 'pays for all your medical expenses' ignores the deductibles, exclusions and benefit limits the policy actually contains, so the advertisement is misleading. Billboard length, the word 'medical' and mentioning expenses are not violations. (K.A.R. 40-9-118 governs life insurance and annuity advertising, not a medical expense policy.)
Question 5 (Chapter 8)
Under the Affordable Care Act (ACA), health plans in the individual and small group markets in Kansas must cover 'Essential Health Benefits.' Which of the following is NOT one of the ten mandated categories?
- A) Adult dental and vision care
- B) Maternity and newborn care
- C) Prescription drugs
- D) Mental health and substance use disorder services
Show answer & explanation
Answer: A
While pediatric dental and vision care are Essential Health Benefits (EHBs) under the ACA, adult dental and vision care are not required to be covered as part of the EHB package.
Question 6 (Chapter 8)
Under the Kansas Small Employer Health Insurance Availability Act, what is the maximum length of a waiting period (affiliation period) an insurer can impose on a new employee before their health coverage begins?
- A) 30 days
- B) 60 days
- C) 180 days
- D) 90 days
Show answer & explanation
Answer: D
Under K.S.A. 40-2209f(f) of the small employer health insurance availability act, a small employer may choose a waiting period only from those its carrier offers, no waiting period may be greater than 90 days, and coverage must become effective no later than the first day of the month after the waiting period ends. A 'waiting period' here is the time after full-time employment begins before an employee is first eligible to enroll (K.S.A. 40-2209d(v)). The 90-day cap matches the federal limit on waiting periods; 30, 60 and 180 days are not the maximum.
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Practice Questions 7-12: Legal Actions, Eligibility, Long-Term Care, Age Misstatement and Medicare Supplement
The time limits on suing over a claim, who counts as an eligible employee, how preexisting conditions are limited in long-term care and what happens when age is misstated on a health application. The block also tests prohibited Medicare supplement practices and the notice and premium an insurer may require for an adopted child.
Question 7 (Chapter 8)
A claimant is dissatisfied with how their health insurer handled a claim and wishes to file a lawsuit. According to K.S.A. 40-2203, what is the earliest and latest the claimant can initiate legal action?
- A) Earliest 30 days after proof of loss; latest 2 years
- B) Earliest 60 days after proof of loss; latest 3 years
- C) Earliest 90 days after proof of loss; latest 5 years
- D) Earliest 60 days after proof of loss; latest 5 years
Show answer & explanation
Answer: D
K.S.A. 40-2203(a)(11) states that no legal action can be brought until 60 days after written proof of loss has been furnished. Furthermore, Kansas law extends the standard NAIC window, stating no such action shall be brought after the expiration of five years after the time written proof of loss is required to be furnished.
Question 8 (Chapter 8)
A small business owner in Salina is looking for group health coverage. Under the Kansas Small Employer Health Insurance Availability Act, which of the following individuals would be considered an 'eligible employee'?
- A) A part-time clerk working 15 hours per week
- B) A seasonal worker employed for 2 months of the year
- C) An independent contractor who receives a 1099 form
- D) A full-time manager working 35 hours per week
Show answer & explanation
Answer: D
K.S.A. 40-2209d(j) defines an 'eligible employee' as an employee who works on a full-time basis with a normal work week of 30 or more hours; it does not include an employee who works on a part-time, temporary or substitute basis. A sole proprietor, partner or independent contractor counts only if the small employer's health benefit plan includes that person as an employee, so receiving a 1099 does not by itself make someone an eligible employee. The full-time manager working 35 hours a week is the eligible employee; the 15-hour clerk and the seasonal worker employed for two months are excluded.
Question 9 (Chapter 8)
A 66-year-old Kansan applies for a Long-Term Care policy. The insurer wants to exclude coverage for a condition the applicant was treated for four months ago. What is the maximum 'look-back' and 'waiting period' for pre-existing conditions allowed for LTC in Kansas?
- A) 3 months look-back / 3 months waiting period
- B) 12 months look-back / 6 months waiting period
- C) 6 months look-back / 6 months waiting period
- D) 24 months look-back / 12 months waiting period
Show answer & explanation
Answer: C
K.S.A. 40-2228(e)(1) bars a long-term care policy from defining 'preexisting condition' more restrictively than a condition for which medical advice or treatment was recommended by, or received from, a provider of health care services within six months before the effective date of coverage, and (e)(2) allows an exclusion only for a loss or confinement that begins within six months after the effective date (the 6/6 rule; see also K.A.R. 40-4-37h). The applicant's treatment four months ago falls inside the six-month look-back, so the insurer may treat the condition as preexisting, but it may exclude a loss from it only if the loss begins within the first six months of coverage.
Question 10 (Chapter 8)
A Kansas resident misstates their age on an application for a health insurance policy. If the insurer discovers this after a claim is filed, how is the claim handled under K.S.A. 40-2203?
- A) The claim is denied and the policy is voided.
- B) The claim is paid in full, but the insurer can sue for the difference in premium.
- C) The benefits are adjusted to what the premium paid would have purchased at the correct age.
- D) The insurer must pay the claim but can increase the next year's premium by 50%.
Show answer & explanation
Answer: C
K.S.A. 40-2203(b)(2) (an optional provision often included) states that if the age of the insured has been misstated, all amounts payable under the policy shall be such as the premium paid would have purchased at the correct age.
Question 11 (Chapter 8)
An agent is soliciting Medicare Supplement policies in Kansas. Which of the following practices is specifically prohibited under K.A.R. 40-4-35?
- A) Offering a policy with a 30-day free-look period
- B) Using 'Cold Lead Advertising' to set up appointments
- C) Explaining the difference between Plan A and Plan G
- D) Providing the 'Guide to Health Insurance for People with Medicare'
Show answer & explanation
Answer: B
K.A.R. 40-4-35 prohibits 'Cold Lead Advertising,' which is the use of methods to initiate contact with a consumer when the advertisement fails to disclose that a solicitor may contact the consumer and that the purpose of the contact is the solicitation of insurance.
Question 12 (Chapter 8)
A Kansas employee adopts an infant who is placed in the employee's home on April 10. The employee's group health insurance plan requires an additional premium to add dependent coverage. According to K.S.A. 40-2,102, within how many days of placement must the employee provide notification and premium payment to continue coverage for the adopted child beyond the initial window?
- A) 10 days
- B) 31 days
- C) 14 days
- D) 60 days
Show answer & explanation
Answer: B
Under K.S.A. 40-2,102, health policies providing family coverage must cover adopted children from the moment of placement. If payment of a specific premium is required to provide coverage for an additional child, the policy may require that notification of placement and payment of the required premium be given to the insurer within 31 days after placement. Options A, C, and D state incorrect timeframes.
Practice Questions 13-17: Grace Period by Mode, Claim Payment, Loss Ratios and ACA Tiers
The grace period on an annual premium, how often disability benefits must be paid, the minimum loss ratios for Medicare supplement policies, the actuarial value of a Silver plan and the optional provision that voids excess coverage with the same insurer.
Question 13 (Chapter 8)
Brenda holds an individual medical policy in Kansas with annual premium payments due on July 1. If Brenda fails to pay her premium on July 1, what is the mandatory grace period under K.S.A. 40-2203 during which her policy remains in force?
- A) 7 days
- B) 31 days
- C) 10 days
- D) 60 days
Show answer & explanation
Answer: B
Under K.S.A. 40-2203, the mandatory grace period for individual accident and health policies is 7 days for weekly premium modes, 10 days for monthly premium modes, and 31 days for all other premium modes (including annual, semi-annual, or quarterly). A 7-day period applies strictly to weekly premiums, 10 days applies to monthly premiums, and 60 days is not a standard statutory grace period for individual policies in Kansas.
Question 14 (Chapter 8)
A worker in Wichita files a claim for disability income benefits under his individual health policy. According to the mandatory 'Time of Payment of Claims' provision in K.S.A. 40-2203, how frequently must the insurer pay benefits for a loss-of-time (disability) claim?
- A) At least weekly in all circumstances.
- B) At least monthly, subject to proper written proof of loss.
- C) Within 60 days following the end of the total disability period.
- D) Lump-sum at the conclusion of the disability period only.
Show answer & explanation
Answer: B
Under the mandatory 'Time of Payment of Claims' provision in K.S.A. 40-2203, indemnity for loss of time (disability income) must be paid at least monthly during the period of disability, subject to written proof of loss. Other claims (e.g., medical expense) must be paid immediately upon receipt of due written proof.
Question 15 (Chapter 8)
An insurance company issuing Medicare Supplement policies in Kansas must meet minimum loss ratio standards to ensure policyholders receive value for their premium dollars. According to K.A.R. 40-4-35, what are the minimum required loss ratios for individual and group Medicare Supplement policies in Kansas?
- A) 50% for individual policies; 60% for group policies.
- B) 60% for individual policies; 70% for group policies.
- C) 65% for individual policies; 75% for group policies.
- D) 80% for individual policies; 85% for group policies.
Show answer & explanation
Answer: C
Under K.A.R. 40-4-35, Medicare Supplement policies in Kansas must return benefits to policyholders equal to at least 65% of aggregate premiums for individual policies and 75% of aggregate premiums for group policies over the policy life cycle.
Question 16 (Chapter 8)
An individual in Kansas purchases a health insurance policy on the ACA Health Insurance Marketplace that is designated as a 'Silver' plan. What actuarial value percentage is a Silver plan designed to cover?
- A) 60% actuarial value.
- B) 70% actuarial value.
- C) 80% actuarial value.
- D) 90% actuarial value.
Show answer & explanation
Answer: B
Under the ACA metal tier structure: Bronze covers 60% actuarial value, Silver covers 70% actuarial value, Gold covers 80% actuarial value, and Platinum covers 90% actuarial value.
Question 17 (Chapter 8)
A policyholder purchases two individual medical expense policies from the same insurance company in Kansas without realizing it. Her aggregate coverage exceeds the company's statutory maximum limit. Under the optional 'Other Insurance in This Insurer' provision of K.S.A. 40-2203, how is this handled?
- A) Both policies are voided and all claims are denied.
- B) The excess insurance is rendered void, claims are paid up to the maximum limit under one policy, and premiums paid for the excess coverage are refunded.
- C) Both policies pay double benefits under the statutory stacking rule.
- D) The insurer pays both claims in full but imposes a 20% administrative penalty on future claims.
Show answer & explanation
Answer: B
Under the optional 'Other Insurance in This Insurer' provision in K.S.A. 40-2203, if an insured holds multiple policies with the same insurer exceeding a designated limit, the excess coverage is void, claims are limited to the maximum threshold, and excess premiums paid are refunded to the policyholder.
The Mistakes That Cost Marks
Using one grace period for every mode. An individual accident and health policy carries a grace period of not less than 7 days for weekly premiums, 10 days for monthly premiums and 31 days for all other modes (K.S.A. 40-2203). Borrowing the roughly one-month grace period of a life policy for a monthly health premium is a classic slip.
Treating the uniform provisions as one list. Some provisions must appear in every individual policy and others are optional. Misstatement of age and other insurance with the same insurer are optional provisions, and time of payment of claims is a required one. Know which is which.
Mixing up the Medicare supplement rules. K.A.R. 40-4-35 prohibits cold lead advertising and sets minimum loss ratios, and the individual and group ratios are different. Learn the two figures together as a pair.
Confusing the ACA's lists. The ten essential health benefit categories include pediatric dental and vision care but not adult dental and vision care. The metal tiers are a separate list: Bronze, Silver, Gold and Platinum are defined by the share of costs the plan pays, its actuarial value.
Treating long-term care limits as one number. A long-term care policy may limit preexisting conditions only through a set look-back period and for a set time after coverage starts. The two figures are separate, and the exam asks for them together.
Your Next Step
The course is audio you can play on the road, and Chapter 1 is free, no signup. The rest of the free questions are on the Kansas Life & Health practice questions hub. The general health material behind these rules is in accident & health policy types, provisions and riders and social insurance, other health concepts and field underwriting, and the life-side counterpart is Kansas life insurance law. To see how Section XII fits in the exam, read how many questions the exam has and how hard the exam is.
Section weights and citations come from Pearson's Kansas content outline (publication 121703, effective March 1, 2025). Read October 2026.
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