What This License Is
The Arizona Accident and Health or Sickness line of authority — health-only, in everyday speech — covers individual and group health insurance, disability income, Medicare supplement, and long-term care products. It's issued by the Arizona Department of Insurance and Financial Institutions (DIFI) and is the right-sized license for benefits specialists, Medicare-focused agents, and anyone whose book will never include life policies.
One trap inside this line: holding health authority is not by itself enough to sell long-term care. Arizona requires 8 hours of approved LTC training before your first LTC sale, with a 4-hour refresher every two years. Medicare supplement, by contrast, needs no extra training beyond the license.
Exam Options & Format
The health-only exam is Series 13-32, Accident & Health or Sickness, administered by PSI for $50 per attempt with a 70% passing standard. Like Arizona's other single-line exams it runs 100 scored questions in 2 hours, plus a handful of unscored experimental items mixed in.
The alternative is the combined Life, Accident & Health exam (Series 13-33): 150 questions, 2 hours 30 minutes, $59. If a life appointment is anywhere in your future, $9 and thirty extra minutes now beats a second $50 exam later.
Either way you'll choose a testing modality when you schedule: one of PSI's ten Arizona test centers (listed with addresses in our Property guide), or online proctoring from home — covered in depth below.
Most Tested Topics on the Arizona Health Exam
The Arizona-specific portion of the health exam clusters around the state's distinctive program names and its claim-handling rules. From the TESTivity Arizona regulations curriculum, statute-verified:
| Concept | The Arizona rule |
|---|---|
| Medicaid agency | AHCCCS — the Arizona Health Care Cost Containment System, pronounced "access" — delivered almost entirely through managed care |
| Medicaid expansion | Yes — expanded to adults up to 133% of FPL, effective January 1, 2014 |
| CHIP program | KidsCare |
| Marketplace | Federal (healthcare.gov) — Arizona runs no state exchange |
| Prompt pay | Adjudicate a clean claim within 30 days and pay the approved portion within 30 days after adjudication — one uniform standard for paper and electronic claims |
| Late-payment penalty | Interest at the legal rate from the date payment was due |
| External review | Arizona runs its own program, and the independent reviewer's decision binds the insurer |
| COBRA threshold | Federal COBRA at 20+ employees; the conversion right must be elected within 31 days of coverage ending |
| LTC training | 8 hours before selling long-term care, +4 hours every two years |
| LTC / Med-supp free look | 30 days for both |
AHCCCS and KidsCare are the classic Arizona giveaway questions — pure memorization the exam hands you if you've seen the names. The uniform 30-day prompt-pay standard is the subtler one, because most states split electronic and paper deadlines and the exam knows candidates study national averages.
Taking the Arizona Exam From Home: PSI Online Proctoring
Arizona insurance exams offer a fully online-proctored option — you take the same Series 13-32 exam at home while a live PSI proctor watches by webcam. When scheduling, you simply choose Online Proctored instead of a test center. Here's what the PSI bulletin actually requires, because forfeiting a $50 fee over a technicality is the worst way to start exam day:
Before exam day, run PSI's full compatibility check on the computer you'll use — audio, video, webcam, and system checks. Your internet connection must be strong enough to stream the session continuously, and you cannot switch computers (or rooms) once the exam begins.
The launch window is strict. You may start up to 30 minutes after your booked time, but if you haven't launched within 15 minutes of your appointment, you forfeit the fee. Treat the booked minute as the deadline, not the doorway.
The room rules are stricter than a test center. No breaks at all — leaving the camera frame ends the exam. No scratch paper. Adequate lighting, webcam positioned so the proctor can see you clearly, and keep your hands away from your mouth (proctors flag it). One ID nuance unique to remote testing: a U.S. military ID is not accepted online, though it's fine at a physical test center.
If tech fails, PSI's remote-testing support line is (844) 267-1017. Score delivery is identical to the test center: your result appears on screen the moment you submit, with the full score report emailed.
What It Costs
With no pre-licensing course to buy, the Arizona health license runs about $201 end to end: $50 to PSI per exam attempt, $30.69 in fingerprinting fees ($22.44 to DPS including the FBI check, $8.25 to Fieldprint), and $120 to DIFI at application through NIPR. Budget the 8-hour LTC training separately if long-term care will be part of your book.
Eligibility Requirements
Applicants must be 18 or older with an Arizona residence or a legitimate business presence in the state (ARS §20-285). Citizenship is not required. Fingerprint-based state and FBI background checks are mandatory, and honesty on the application's background questions matters more than the history itself — nondisclosure is an independent ground for denial.
Keeping Your License Active
Important CE details: At least 6 of the 48 hours must be ethics. To sell long-term care insurance you must FIRST complete 8 hours of Arizona-approved LTC training, then 4 more hours every two years — those hours count toward the 48.
The license renews every four years (last day of your birth month) on 48 CE hours including 6 of ethics. Health-side producers carry the extra LTC training cadence — 8 hours up front, 4 every two years — and those LTC hours do count toward the 48. Full renewal mechanics, including the late-renewal window and the once-per-course rule, are covered in the P&C guide.
Quick Reference
Official Links
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