Indiana Health Insurance Exam 2026

What the Indiana Accident & Health Line Covers

Indiana calls this line Accident and Health or Sickness, and it is the standalone half of the health credential: individual and group medical, disability income, Medicare supplement, long-term care, and the accident and specified-disease products that sit alongside them. It is one line of authority on the single Indiana producer license issued by the Indiana Department of Insurance (IDOI).

The line matters more in Indiana than the licensing does, because Indiana's health market has a specific shape the exam tests. Indiana expanded Medicaid, but through a Section 1115 waiver rather than a straight expansion — the Healthy Indiana Plan (HIP 2.0), effective February 2015, administered by the Family and Social Services Administration (FSSA) rather than by a health department. Children and pregnant women are covered through Hoosier Healthwise. And Indiana runs no state-based exchange: individual buyers go to HealthCare.gov, the federally-facilitated marketplace. Those three facts recur constantly in state-law items.

Health is entirely separate from Life in Indiana — a Life licensee cannot quote a disability policy. If both are in your future, the combined Life & Health exam earns both lines in one sitting for the same $69, at the cost of 40 course hours instead of 20. The Life guide sets out that comparison from the other side.

For the 20-hour pre-licensing course Indiana requires, 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 Indiana 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 Indiana Health exam is 95 scored questions plus 5 unscored pretest items — 100 on screen — in 120 minutes, for $69. It is identical in shape to the Life exam, which is worth knowing if you are planning to take both separately rather than combined.

The passing standard is a raw 70% — the handbook says "candidates need to achieve 70% to pass the IDOI exams" and uses no scaled-score language anywhere. That works out to roughly 67 of the 95 scored items. Pretest questions are unscored and unmarked on screen, so answer all 100 as though they count.

The combined Life & Health exam is 150 scored plus 10 pretest — 160 on screen — in 180 minutes at the same $69. A Spanish-language version of both the Health and the Life & Health exams is offered at identical length, time and fee. Waiver holders sit a much shorter Health Laws & Regulations paper — 35 questions, 60 minutes, $50 — which the Life guide explains in full.

Indiana has no online proctoring. Pearson VUE's own list of state insurance programs offering OnVUE names eleven states and Indiana is not among them, and Pearson's Indiana page says candidates "may reserve their appointment in a physical testing center." Where Indiana compensates is footprint, and that is the subject of the next section.

Most Tested Topics on the Indiana Health Exam

Indiana's health questions live where the state built its own machinery instead of taking the federal default. Each of these is anchored in the Indiana Code, and each is a place national material will steer you wrong:

The prompt-pay split is the highest-yield item on this list. Most states set one clean-claim deadline; Indiana sets two, and keys them to the medium rather than to the claim type — 30 days electronic, 45 days paper. Candidates who memorise a single number get it wrong half the time by construction. The follow-on detail is worth a second look too: the penalty is interest, not a flat fine, and Indiana does not print a percentage in the prompt-pay statute — it cross-references the Medicaid interest provision at IC 12-15-21-3. An item offering you "a 10% penalty" is offering you a number Indiana never wrote down.

The continuation numbers are the second reliable cluster, and they interlock. Federal COBRA starts at twenty employees; Indiana's continuation covers small employers of one to fifty, so the two overlap in the twenty-to-fifty band rather than sitting end to end. Twelve months, 102% of the group premium — and the 135% conversion cap is a different animal that gets swapped in as a distractor. Finally, keep binding external review filed as an Indiana strength: the IRO does not advise the insurer, it decides, and IC 27-8-29-16 is where that lives.

Where You Actually Sit the Indiana Exam

Indiana's test-center network is unusually broad, and the reason is a partnership most states do not have. IDOI states that exams are delivered "by computer at Ivy Tech and Pearson VUE test centers" — meaning Ivy Tech Community College campuses across the state act as Pearson-affiliated delivery sites alongside the dedicated Pearson Professional Centers. For a candidate in Terre Haute, Muncie, Kokomo or Evansville, that is often the difference between a short drive and a trip to Indianapolis.

A deliberate omission, and the reason for it. The August 2026 candidate handbook does not print test-center addresses. It routes candidates instead: "Visit https://home.pearsonvue.com/in/insurance for a complete list of test center locations." We follow the handbook rather than publishing a static list, because Ivy Tech's participating campuses and Pearson's own sites both change, and a stale address list is worse than none — it sends people to a closed center on the morning of an exam. Pull the live list from the scheduling tool when you book.

Scheduling. Reserve online through Pearson VUE at least 24 hours before the day you want to test, or by phone at (866) 895-0496. Pay at reservation by credit card, debit card or voucher; the handbook warns that "fees will not be accepted at the test center." Create the account in your legal name as it appears on your photo ID — the Life & Health guide covers why that matters at the door.

Changing or cancelling — and this one is a phone call. The handbook requires that "candidates must call Pearson at (866) 895-0496 at least forty-eight (48) hours before the examination to change or cancel." Inside 48 hours, the $69 is forfeited: fees are "non-refundable and non-transferable." Note the mechanism — Indiana's reschedule rule is written as a call, not a click, so do not assume the online account will let you move an appointment at hour 40.

On the day, arrive 30 minutes early. Check-in, Indiana's one-ID rule and the prohibited-items list — which is longer than most candidates expect — are covered in full by the Life & Health guide.

Indiana's 180-Day Temporary Producer License

Indiana can put a producer to work before a full license issues. Under IC 27-1-15.6-11, IDOI "may issue a temporary resident insurance producer license for not more than 180 days if deemed necessary for the servicing of an insurance business in the best interests of the public." At 180 days, Indiana's temporary licence is on the longer end nationally — many states cap theirs at 90.

Read the standard carefully, because two words in it do most of the work. "May" — this is discretionary, not an entitlement; there is no form that produces a temporary license on demand. And "necessary for the servicing of an insurance business in the best interests of the public" — the test is about continuity of service to existing policyholders, not about a new applicant's convenience while their own file is pending. If your reason for wanting one is that your exam is three weeks out, that is not the statutory standard.

Who qualifies, honestly stated. IDOI publishes the standard but does not enumerate the qualifying categories on its licensing pages. IC 27-1-15.6-11 tracks the NAIC producer licensing model, under which temporary authority typically runs to the surviving spouse, next of kin or personal representative of a deceased producer; the designee of a producer who becomes disabled or enters active military service; and the equivalent situations inside a business entity. We are not presenting that list as verified Indiana fact — if your circumstances are in that neighbourhood, call IDOI Producer Licensing at (317) 232-2389 and ask what Indiana actually accepts, rather than relying on a model-act summary.

What a temporary licence does not do. It does not shorten the path to a permanent one. The 20-hour course, the exam and the $40 application still stand, and the six-month certificate clock keeps running while you are working under the temporary authority — so a temporary licence is a bridge for the book of business, not an extension for the candidate. Nor does it change the CE cycle: your first 24-hour requirement is keyed to the permanent license's birth-month expiration.

What It Costs

$69 to Pearson VUE for the Health exam, $40 to IDOI at application, plus the Sircon or NIPR processing fee at checkout — about $109, with no fingerprint fee at all, because Indiana takes no prints from resident producers. Every retake is another full $69, and both the exam fee and the application fee are nonrefundable and nontransferable.

The health-specific cost most people miss is training rather than licensing. If long-term care will be in your book, the 8-hour initial LTC course is a prerequisite to marketing LTC at all, and marketing Indiana Long Term Care Partnership policies requires 15 hours in total — the 8 basic hours plus a 7-hour Partnership course that IDOI states is classroom only, with no self-study option. That is a scheduling constraint as much as a cost, and it is the reason to look at the Partnership calendar early rather than in the week you need it.

Renewal two years out is $40, and the Property & Casualty guide covers the reinstatement ladder if you miss it — $120 penalty inside twelve months, and nothing at all past twelve.

Eligibility Requirements

You must be at least 18 (IC 27-1-15.6-6), maintain a valid business email address, and hold your principal residence or place of business in Indiana for a resident license. Complete the 20 hours of approved Accident & Health pre-licensing — unless CLU, CFP, ChFC or a bachelor's degree in insurance waives the course under IC 27-1-15.6-9, in which case you sit the 35-question Health Laws & Regulations exam instead. The Life guide covers the waiver list and its limits.

There is no fingerprinting. Character is assessed from the background questions on the application, with supporting documents uploaded for any "yes" — the Personal Lines guide walks through what that review actually looks like.

One sequencing note specific to health producers: the LTC and annuity training requirements are not eligibility conditions for the license, they are conditions on selling particular products. You can be fully licensed in Accident & Health and still be barred from marketing a long-term care policy because the 8-hour course is outstanding. Keep the two lists separate in your head.

Keeping Your Indiana Health License Active

Two years, expiring the last day of your birth month, renewed for $40 through Sircon or NIPR, with an invoice emailed about 90 days ahead — and IDOI's warning that not receiving the invoice does not excuse a late renewal. The requirement is 24 hours of Indiana-approved CE, and because you hold Accident & Health, 3 of them must be ethics: IDOI writes the rule as "3 of which must be an Ethics course if Accident & Health and/or Life licensed," which is why a P&C-only producer is not shown owing them. Up to 12 hours carry forward; ethics and LTC hours never carry.

The long-term care ladder is the part worth planning around. Before marketing, selling or soliciting any LTC product you need "an (8) eight hour basic LTC continuing education course specifically approved for LTC." After that, IDOI requires "a minimum of (5) five hours of LTC insurance courses every two years," and those five "may be taken at any time during each two-year period" — so there is no month-of deadline inside the cycle, only the cycle itself.

Partnership policies raise the bar again. To market Indiana Long Term Care Partnership (ILTCP) products, "agents wanting to market policies in the Indiana Long Term Care Partnership Program (ILTCP) must initially have 15 hours of continuing education (eight hours of basic LTC and seven hours in Partnership)." The 7-hour Partnership course is "a one-time-only requirement and is classroom only" — book it, because you cannot solve it at 11pm the night before.

Annuities, if you ever add the Life line: a one-time 4-hour best-interest course before selling, under 760 IAC 1-72. And a correction to something you will find on competitor pages: Indiana has no flood training mandate. The only flood item IDOI has published was a voluntary FEMA session in September 2025, and IDOI stated plainly that "the training will not be for CE credits." Do not buy a flood course believing Indiana requires one.

Let the license lapse and the ladder is unforgiving. Inside twelve months: $40 renewal plus a $120 penalty, and — if the CE was not finished before expiration — you must also pass the Laws & Regulations Assessment. Past twelve months IDOI cannot reinstate at all. The Property & Casualty guide covers renewal and reinstatement in full.

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