What the Connecticut Accident & Health Line Covers
Connecticut's health authority is formally the accident and health or sickness line — one of the eight lines of authority listed in CGS § 38a-702f — and it covers the full accident-and-health family: major medical, disability income, Medicare supplement, Medicare Advantage, long-term care, and dental.
It is issued by the Connecticut Insurance Department, headed by a Commissioner appointed by the Governor. Connecticut's regulatory structure is conventional: one department, one Commissioner, all of it under Title 38a of the General Statutes with regulations in the RCSA.
It does not include life or annuities. If you will sell both, the combined 12-CT-03 exam is one sitting — but Connecticut charges 40 hours of pre-licensing for a dual line against 20 for a single, so the combined route costs more classroom time, not less. That is the opposite of how several states price it, and it is worth checking against your actual plans rather than assuming.
The Connecticut-Specific half of this exam is broader than most states': the outline names HUSKY, the Connecticut Comprehensive Health Care Plan, the Connecticut Partnership for Long Term Care, and Connecticut's own minimum benefit standards for disability income — entities and standards a national study guide will not have taught you by name.
For the 20-hour pre-licensing course, TESTivity recommends Achievable. The Achievable insurance courses were built by the same subject-matter expert behind TESTivity, so the two are designed to work together.
One important distinction: TESTivity is not an approved pre-licensing provider in Connecticut and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
Exam Options & Format
The Connecticut accident and health exam is 12-CT-02 through Pearson VUE: 75 scored questions plus 10 unscored pretest items in 2 hours, at $65, passing at a raw 70% — the handbook states it as a straight percentage, with no scaling or conversion.
The scored 75 splits into 50 General Knowledge and 25 Connecticut-Specific, and within the Connecticut half the same 18-question "Common to All Lines" block appears that sits on every other Connecticut producer exam. Only the remainder is health-specific — but that remainder is dense, covering mandated benefits (newborns, mental health, substance abuse, maternity, infertility, mammograms, adopted children), Medicare supplement rules, long-term care, small-employer requirements, HIV/AIDS provisions and the ACA.
The combined 12-CT-03 exam is 80 scored (50 + 30 Connecticut-Specific) plus 15 pretest in 2 hours 30 minutes at $105. Note that its Connecticut-Specific section grows only from 25 to 30 while covering two subject areas — combined-exam candidates get less Connecticut depth per topic, not more.
Physical test centers only. Connecticut discontinued online proctoring on 1 August 2025. The Property guide covers the center network; the Life & Health guide covers ID and exam-day rules; the Personal Lines guide covers results and retakes.
Most Tested Topics on the Connecticut Accident & Health Exam
Connecticut's health law is a genuinely high-regulation regime, and the exam concentrates where the state built its own machinery rather than deferring to the federal default. Each row is verified against the statute:
| Concept | The Connecticut rule |
|---|---|
| Health insurance marketplace | Access Health CT — a STATE-BASED exchange. Connecticut runs its own; it does not use HealthCare.gov |
| Medicaid expansion | Expanded. HUSKY D dates to 2010 — Connecticut was the first state approved to expand — and ACA eligibility rose to 138% of the federal poverty level on 1 January 2014 |
| Medicaid / CHIP names | HUSKY A (Medicaid), HUSKY B (CHIP), HUSKY D (the adult expansion) — the exam expects the letters |
| Prompt pay, electronic claims | 20 days to pay a clean electronic claim (CGS § 38a-816(15)(B)(ii)) |
| Prompt pay, paper claims | 60 days to pay a clean paper claim (§ 38a-816(15)(B)(i)) |
| Additional-information deadline | The insurer must request more information within 10 days (electronic) or 30 days (paper) of receiving the claim |
| Late-payment interest | 15% per annum — higher than most states (§ 38a-816(15)(A)) |
| External review | Connecticut runs its own state external review through an IRO, and the decision is BINDING on the carrier (§ 38a-591g(a)(3)) |
| Federal COBRA threshold | 20 or more employees |
| Connecticut state continuation | Up to 30 MONTHS — against the federal 18 (§ 38a-512a) |
| Continuation premium cap | Up to 102% of the group premium |
| Medicare supplement free look | 30 days to return the policy and have the premium refunded (§ 38a-495a) |
The 30-month continuation period is the single most valuable Connecticut health fact, and the one third-party sites most reliably get wrong by printing the federal 18. Public Act 10-13 expanded it effective 5 May 2010, and it applies to Connecticut fully insured employer plans of any size — so it is not merely a small-employer gap-filler the way most states' mini-COBRA is. Pair it with the 102% premium cap, which is the federal number rather than the inflated 115% several states allow.
The prompt-pay split is the other dependable cluster, and Connecticut's spread is unusually wide: 20 days electronic against 60 days paper is a three-fold difference, where most states that split at all use something like 20 and 40. The 15% per annum interest is also above the typical 10–12%. If a question tells you how the claim was submitted, it is telling you which number it wants.
Connecticut Doesn't Fingerprint You — Which Makes the Application Questions Everything
Most states resolve a producer's background with a fingerprint card. Connecticut does not. CID states it in as many words on the producer licensing page: "This license type does not require fingerprints." There is no vendor, no ORI code, no service code, no fee, no order-of-operations puzzle and no print-validity window. Connecticut reserves fingerprinting for the Surety Bail Bonds license.
So understand what replaces it. The entire background review runs through the character and background questions on the NIPR uniform application — the ones asking about criminal history, administrative actions by any regulator, civil judgments involving fraud, license denials or revocations elsewhere, and unpaid taxes or child support. There is no FBI record check running quietly in parallel to catch an omission, and equally none to corroborate your account. What you write is the record.
That cuts both ways, and the second way is the one people miss. In a fingerprint state, an old conviction surfaces regardless, so the practical question is only whether you disclosed it. In Connecticut, non-disclosure is more likely to go unnoticed at application — and far more damaging when it does surface, because it arrives as an affirmative misstatement on a signed uniform application rather than as an omission the state was going to find anyway. Connecticut's grounds for denial, nonrenewal and revocation in CGS § 38a-702k reach materially untrue statements in an application directly.
What a "yes" answer actually needs. Attach the documents the first time: the certified court disposition, the consent order or regulator's final order, a personal written explanation dated and signed, and — where the matter has been resolved — evidence of that resolution, such as proof of restitution or a certificate of rehabilitation. Uploading through NIPR's attachment facility at the time of filing is materially faster than responding to a deficiency notice later, and a file that arrives complete is not competing for a reviewer's patience.
Disclose administrative actions even when they feel minor. The question is not limited to insurance regulators — it reaches actions by any governmental or self-regulatory body, which sweeps in FINRA matters, real estate and mortgage licensing actions, and out-of-state insurance department orders. A FINRA arbitration or a lapsed-CE suspension in another state is exactly the sort of thing producers forget and CID's reviewers routinely find.
The duty does not end at licensure. CGS § 38a-702o imposes a continuing obligation to report administrative actions and criminal prosecutions to the Commissioner after you are licensed. This is a live compliance duty with its own deadlines, not a one-time application question — and because Connecticut never took your prints, self-reporting is the only mechanism the Department has.
Two more things Connecticut does not ask for. There is no Letter of Clearance requirement from a prior home state, and no separate background-check submission beyond the application itself. If a checklist hands you either task for Connecticut, it was written for another jurisdiction.
What It Costs
$65 to Pearson VUE for 12-CT-02, and $190 to CID at application — the $140 initial license fee plus the separate $50 non-refundable application fee that third-party pages routinely omit. About $255 in fees on a first-attempt pass, before your 20-hour course, with each retake adding $65.
No fingerprint line item, because there are no fingerprints. That is worth roughly $30 to $60 against a typical fingerprint state, and it removes the most common source of delay in a producer application.
Recurring: $160 to renew every two years ($320 late), $130 to add a line by amendment, $130 to reinstate. If you later add the life line, note that renewal stays $160 and CE stays 24 hours — Connecticut charges by licence, not by line.
Eligibility Requirements
You must be at least 18, complete the 20-hour pre-licensing course, pass 12-CT-02, and file the uniform application with the $140 + $50 fees. Connecticut does not fingerprint you, does not require a Letter of Clearance, and does not run a separate background submission — the application's character questions do that work, as the section above explains.
Residents of New York, Massachusetts and Rhode Island may hold a Connecticut RESIDENT license. CID confirms this, and it is genuinely unusual — most states force a border commuter into nonresident status. If you live just over the line and work in Connecticut, check this before defaulting to a nonresident filing.
A CLU designation may waive the examination for the life and accident lines at the Commissioner's discretion under CGS § 38a-702h(c). A longer list — CEBS, ChFC, CIC, CFP, FLMI, LUTCF, HIA, REBC, RHU, AAI, ARM, CPCU — waives the pre-licensing coursework only, leaving the exam in place. The Life & Health guide lays out both lists side by side, and the distinction is the most commonly merged pair of facts in Connecticut licensing.
Keeping Your License Active
Important CE details: The 24 hours attach to the license as a whole, not to each line — adding accident and health to an existing life licence does not double them.
24 hours every two years, including 3 hours of Connecticut insurance law and regulations or ethics, due by the last day of your birth month. The hours attach to the license, not the line — so adding accident and health to an existing life license does not change the number.
Connecticut defines the CE biennium as the two-year period ending on your license expiration date, which means CE and renewal share one clock. That is a simpler arrangement than the states that run a fixed statewide CE window against an individual renewal date, and it is why a Connecticut producer only ever has one date to remember.
Up to 24 excess hours carry into the next biennium — a rule that flipped when RCSA § 38a-782a-10 was amended on 13 January 2022; before that, no carryover was permitted at all.
There is no long-service, age-based or grandfathering exemption in Connecticut, and CID states so directly. Producers who passed their licensing exam within the last 12 months of a biennium are exempt for that biennium, and nonresidents who satisfy their home state's requirement owe nothing here. The P&C guide covers renewal mechanics, the one-year late window and reinstatement.
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