Nebraska Health Insurance Exam 2026

The Nebraska Accident and Health Producer License

Nebraska calls this line Accident and Health or Sickness, and it is examined as series 13-02 - 100 scored questions in two hours for $43. It can also be taken inside the combined paper, series 13-03, which carries the Life line as well.

Two structural facts shape this page. The first is that Nebraska requires no pre-licensing education, so the exam is the whole educational gate. The second is that remote proctoring ended on 16 March 2026. PSI's bulletin states it plainly - "effective 3/16/2026, remote proctored examinations will no longer be available" - and the Department issued its own guidance the same day, IGD-D8, adding a detail PSI's document does not: already-booked remote sittings were honoured. Nebraska is now test-centre only, and this guide's owned module covers the background review that replaced a step other states run through a vendor.

The health line carries more Nebraska-specific machinery than any other on the exam. Its continuation statute is written by reference to the federal COBRA threshold rather than to a headcount. Its prompt-pay act contains a 90% figure that does the opposite of what it looks like. And its free look sits in a different statute from the life free look, with the same number of days and a different carve-out.

How the Nebraska Accident and Health Exam Is Built

105 items in 120 minutes on the single-line paper - about 69 seconds each, counting scored and unscored together, which is the count that matters at the desk. The combined paper runs faster at about 58 seconds an item.

Passing is 70%, expressed as a raw count. The bulletin prints "100 Items (70%) or 70 correct" for the single-line paper and "150 Items (70%) or 105 correct" for the combined one. Nebraska does not scale, and no sentence in the document suggests otherwise, so the ordinary arithmetic holds.

Attempts are unlimited - "you may test unlimited until you pass" - with no waiting period beyond the bar on rebooking the same day you tested.

The question counts and time limits are not in the bulletin. They live in the per-exam content outlines, one per series, and the bulletin reaches them only through link annotations. The Life guide explains the three different figures PSI publishes for unscored items.

Most Tested Topics on the Nebraska Accident and Health Exam

Nebraska's health rules diverge from the national baseline in ways that are unusually procedural - the answer is often a mechanism and a deadline rather than a coverage rule.

The continuation row is where a candidate trained on national material loses points, and it loses them twice. The first trap is scope. Nebraska does not say "fewer than twenty employees"; 44-1640 applies to a policy covering a group which, based on the number of employees, "is not a group subject to section 4980B of the Internal Revenue Code." It is drafted to fill exactly the gap federal COBRA leaves, by cross-reference rather than by number. The second trap is the trigger: continuation runs only on involuntary termination of employment "for reasons other than misconduct in connection with employment." Quitting does not qualify. Being fired for cause does not qualify. And 44-1640(3) adds that an interruption due to a labor dispute is not an involuntary termination.

Then the mechanics, which are the most testable part. Federal COBRA gives sixty days to elect. Nebraska gives ten, twice, and requires certified mail both ways: the employer sends notice "by certified mail with return receipt requested" not later than ten days after termination (44-1641), and the employee returns the election form and the first monthly premium by certified mail within ten days of receiving that notice (44-1642). Miss either and the right is gone. The separate survivor track at 44-1643 runs up to a year and is noticed within ten working days - note the switch of unit between the two sections.

And the prompt-pay 90% figure means the reverse of what it looks like. Candidates arriving from other states expect "90% of clean claims paid within N days" to be the standard an insurer must meet. In Nebraska the ninety percent lives in the definition of a "prompt payment act compliance statement" at 44-8002(5), and 44-8006 makes filing one a voluntary opt-in that exempts the insurer from the interest obligation for a calendar year, provided it is on file by 1 December of the year before. The actual enforcement trigger is qualitative - an "unfair payment pattern" at 44-8002(7), which contains no percentage at all. The per-claim duty is the real rule: 30 calendar days electronic, 45 paper, 12% per annum interest accruing automatically from the date payment was due, remittable quarterly or once the aggregate for a provider exceeds $10.

What Nebraska Actually Checks, and What It Does Not

Start with the correction, because the widely repeated version of this is wrong. Nebraska requires no fingerprints from a resident producer applicant, and no Nebraska source states that the Department runs a state or federal criminal history record check as part of application review. Guidance that describes a Nebraska background check is describing something the Department does not publish doing.

The statutory picture supports that. 44-4053 is a closed enumeration of what the director must find before approving a resident application - age, no disqualifying act, fees, exams - and it contains no background-check clause. 44-4059 makes a felony or Class I, II or III misdemeanor conviction a ground for discipline, which is a very different thing from authority to go and look for one. Neither DOI fee schedule, the 12/2022 revision or the current 7/17/2026 revision, carries a fingerprint or background-check line.

What Nebraska operates instead is self-disclosure backed by documents. The Department's guidance document IGD-F1, "Department of Insurance Procedure Relating to the Federal Violent Crime Control and Law Enforcement Act of 1994," sets out the process: an applicant with a felony conviction indicates it on the application, includes "a description of the circumstances under which the conviction arose," and provides "background documentation, including copies of all court documents or statements explaining the conviction."

The federal statute in that title is the point of the whole exercise. 18 U.S.C. 1033 makes it a federal offence for a person convicted of a felony involving dishonesty or breach of trust to engage in the business of insurance without written consent, and 1034 gives the enforcement teeth. The state licence and the federal consent are two separate permissions. A producer can satisfy Nebraska and still need 1033 written consent - which is why the Department's procedure is framed around that Act rather than around its own licensing statute.

Practically, this changes the shape of your application rather than its cost. There is no appointment to book, no vendor to pay, no card to mail. But the Department's own checklist is direct about the consequence of answering yes: "if you've answered yes to any background questions this process will take longer, make sure you have attached all the necessary supporting documents to speed up our review." With a clean record the Department processes an application in about three to five business days. With a disclosure, the clock is however long the review takes.

What to attach, if you are disclosing. The guidance asks for court documents - the charging instrument, the judgment, evidence of sentence completion - plus a written explanation of the circumstances. Send the complete set with the application rather than in response to a request; the Department's phrasing frames the documents as what speeds the review, not as what it will chase you for.

And note what the disclosure questions reach, because it is broader than a conviction. Among the fourteen grounds at 44-4059 are having a licence "denied, suspended, placed on probation, or revoked in Nebraska or any other state," violating an order of "another state's insurance commissioner or director," failing to comply with a child support order, and failing to pay state income tax. Administrative history in another state is disclosable even where no court was ever involved.

Nebraska Accident and Health License Fees

$43 for the examination and $50 for the licence. No coursework, no fingerprints, no background-check fee, and no appointment fee payable by you - the insurer pays $8 for that.

The fee that has moved recently is the nonresident one. The nonresident fee has moved twice: $50 on the 12/2022 schedule, $100 on the schedule revised 14 August 2025, and since 17 July 2026 the nonresident licence and its renewal are priced as retaliatory, so what a nonresident pays now depends on what their home state charges a Nebraskan. Nonresident reinstatement is a retaliatory fee plus a $125 late fee.

Resident reinstatement is $90, against statutory ceilings of $125 for a late renewal and $175 for reinstatement at 44-4064(1)(d) and (1)(e). The Property and Casualty guide covers how a Nebraska licence lapses and what reinstating it involves.

Nebraska Accident and Health License Eligibility

The four findings at 44-4053 apply here as to every Nebraska producer line: eighteen or older, no act that is a ground for discipline under 44-4059, fees paid, examinations passed. The Life guide sets out the fourteen disciplinary grounds in full.

What is specific to this line is a training gate that operates as a licensing condition in practice, even though it sits outside the licensing act. 44-4521(1) provides that an individual "may not sell, solicit, or negotiate long-term care insurance unless the individual is licensed ... and has completed a one-time training course" of not less than eight hours, with ongoing training of not less than four hours every twenty-four months. Note the drafting: it is framed as a bar on the activity, with a licensure predicate attached - the Department's guidance ties it to being "authorized as an insurance producer for health or sickness and accident insurance."

And the verification duty is the carrier's, which changes who enforces it. 44-4521(3)(a) requires the insurer to "obtain verification that the insurance producer receives training ... before a producer is permitted to sell, solicit, or negotiate" long-term care insurance, with records retained under 44-5905. So the practical consequence of missing the training is not a Department finding at renewal - it is a carrier that will not let you write the business.

Two content rules worth holding: the training "shall not include any sales or marketing information" beyond what the law requires, and training completed in another state satisfies Nebraska.

Residency and entity questions. A licence issued on Nebraska residency is a resident licence; someone moving in with an existing out-of-state licence has ninety days and no examination, which the Property and Casualty guide covers. Business entity licences run on their own cycle, expiring 30 April of even-numbered years.

Nebraska Accident and Health Continuing Education

The requirement is 44-3904 - twenty-one general hours plus three ethics hours, twenty-four in total, per twenty-four-month period, the ethics hours being "in addition" to the general ones by the statute's own words. The Life and Health guide covers the arithmetic and the conditional first-period exemption.

Long-term care is the gate that matters most on this line, and it is the only one of Nebraska's three that never stops. The annuity course is one-time. The flood course is one-time. Long-term care is eight hours initially and four hours every twenty-four months thereafter, for as long as you keep selling it - so it recurs on the same cadence as the CE cycle itself and has to be budgeted alongside it rather than instead of it.

Whether those hours also discharge part of the twenty-four is the one question Nebraska leaves open on this gate. The Department's guidance says the long-term care training "may be approved as continuing education courses." That is a statement about course approval, not about substitution - and it is noticeably weaker than what the Department says about the other two gates, where the annuity credits "may be used for their overall CE requirements" and the flood hours are "not required in addition to the normal 24 hours." Until the Department says otherwise, budget the eight and the four as sitting outside the twenty-four.

A second gate reaches this line through a licensure predicate rather than through conduct. Nebraska's long-term care requirement is written as a bar on selling by anyone not "authorized as an insurance producer for health or sickness and accident insurance" who has not completed the course - so unlike the annuity gate, which attaches purely to what you sell, this one presupposes the health line.

On the mechanics: providers report, and you do not. Course completions are uploaded to State Based Systems by the provider within ten days of the completion date, and the Department states that it "will not accept any completion certificates from licensees." And renewal eligibility "begins 24 hours after all CE has been uploaded into our database by the CE Provider" - so it runs from the upload rather than from the class. The Casualty guide covers approval and reporting in full.

There is no carry-forward of surplus hours and a course may not be repeated for credit within the same period.

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