The Oklahoma Accident & Health Producer License
Oklahoma calls this line Accident and health or sickness, and it is the second of the eleven lines of authority at 36 O.S. Sec. 1435.8(A). It is a standalone license with its own PSI paper - you do not have to sit the combined Life and Health exam to get it.
It is also the line that carries the most regulatory weight in Oklahoma, because it is the gate on three separate product markets. OAC 365:25-3-18 requires the Accident & Health line before an individual may "sell, solicit or negotiate Medicare Advantage ... or Medicare Prescription Drug products and plans," and it adds a compensation rule most states leave to CMS: "A producer shall not accept compensation based on the number of sales of Medicare Advantage products and plans." Long-term care needs this line or a Life line. And the health side is where Oklahoma's 2025 legislature was busiest.
The eligibility list is the same short one every Oklahoma producer works from - 36 O.S. Sec. 1435.7(A): 18 or older, no disqualifying conduct under Sec. 1435.13, fees paid, exam passed - with Sec. 1435.7(C) adding that you must demonstrate you are competent, trustworthy, financially responsible and of good personal and business reputation. No coursework, no prints.
One recent development worth knowing before you sell Medicare in this state. OID Bulletin 2026-03, issued 5 August 2026, permits a licensed producer to charge a reasonable consulting fee for Medicare Advantage advisory services - but only where the producer is not "selling, soliciting, or negotiating an insurance contract on behalf of an MA plan" and receives no MA commissions. The fee must be "a fair, justifiable, and market-appropriate amount" agreed in advance. You may advise for a fee or sell for a commission. Not both on the same transaction.
Health Alone, or Life and Health Together
The standalone Accident & Health or Sickness paper is 100 scored questions in 120 minutes at $38. The combined Life, Accident & Health or Sickness paper is 150 scored questions in 150 minutes, also $38, and gets you both lines for one fee.
Neither figure is in the candidate bulletin. The 7/1/2026 bulletin prints a fee table and no question counts at all; it carries, near the end, a table headed "Effective 8/1/2026" whose rows link out to a separate content outline per exam, and the counts and time limits live only in those outline documents. That is worth knowing because it means anybody quoting you an Oklahoma question count without naming the outline is quoting something else - most likely the pre-2023 Prometric handbook, which is still live on the web and describes a vendor that lost the contract on 16 February 2023.
Passing is 70% correct. The bulletin's words are "You must get 70% correct to pass" - a raw percentage, so 70 of the 100 scored items, and the 5 unscored experimental items cannot count against you. Attempts are unlimited: "Oklahoma Insurance examinations are open eligibility. You may test unlimited until you pass." You cannot rebook the same day you tested; you can call the next day and sit the day after.
Whichever paper you sit, you choose the delivery format at booking - a PSI test centre or a remote proctor at home. The section below walks the remote option, which is the one with rules worth reading before you commit to it.
Most Tested Topics on the Oklahoma Accident & Health Exam
Oklahoma's health law is where the state-specific questions cluster, and several of the rules below are not just different from the national baseline - they are different by an order of magnitude. From the TESTivity Oklahoma regulations curriculum, statute-verified:
| Concept | The Oklahoma rule |
|---|---|
| State continuation (mini-COBRA), Oklahoma | "at least sixty-three (63) days after such termination." Days, not months. It applies where federal COBRA does not, to an employee terminated "for any reason other than termination of the group plan or termination for gross misconduct," and to dependents. The premium is "the premiums which would have been charged ... had termination not occurred" - no 102% loading. Election is due "not later than the thirty-first day after the date the terminated employee is given notification," and the carrier must give that notification within 30 days of hearing from the plan sponsor (36 O.S. Sec. 4509(B)) |
| Grace period, accident and health, by premium mode | This is where the mode ladder lives: "not less than '7' for weekly premium policies, '10' for monthly premium policies and '31' for all other policies." It is not the life rule - ordinary life is a flat 30 days at Sec. 4003 (36 O.S. Sec. 4405(A)(3)) |
| Time limit on legal actions, accident and health | No suit before 60 days after written proof of loss, and none "after the expiration of three (3) years." Three years is the NAIC uniform-provision figure, so this one is baseline rather than a divergence - the reason it is worth knowing is that a good deal of study material teaches five, which is the limitation period several states substituted (36 O.S. Sec. 4405(A)(11)) |
| Notice of claim and claim forms, accident and health | Written notice of claim "within twenty (20) days" after the loss occurs or commences; if the insurer does not furnish claim forms "within fifteen (15) days" after that notice, the claimant is deemed to have complied by submitting written proof of the character and extent of the loss (36 O.S. Sec. 4405(A)(5), (6)) |
| Proofs of loss, accident and health | 90 days after the end of the period for which the insurer is liable, with an outer limit - "in no event, except in the absence of legal capacity, later than one (1) year" (36 O.S. Sec. 4405(A)(7)) |
| Free look, individual accident and health | 10 days from delivery, by rule rather than statute - and 30 days for a policy sold by direct response solicitation to a person eligible for Medicare. Note the instrument: the life free look is a statute, this one is not (OAC 365:10-5-6) |
| Medicare supplement birthday rule, Oklahoma | A 60 calendar day open enrollment period "beginning on the policyholder's birthday each year," during which an existing policyholder may move to a Medicare supplement policy of same or lesser benefits, with any other issuer, without medical underwriting - OID's words are "same or lesser benefits" and "any other Medicare supplement policies or issuers", provided no gap in coverage greater than 90 days. Effective 1 September 2023, and only a handful of states have anything like it (OAC 365:10-5-129(f); OID Special Notice 2024-01) |
| External review, Oklahoma | Filed "in writing to the Insurance Commissioner" - not to the carrier - within "four (4) months" of the adverse determination. Preliminary review in five (5) business days; the Commissioner assigns an independent review organization "on a random basis"; the IRO decides within 45 days; on a reversal the carrier "immediately shall approve" the coverage (36 O.S. Sec. 6475.8; Sec. 6475.6(A)) |
| Clean-claim payment and interest, Oklahoma health | 45 calendar days for a paper claim and 30 calendar days for an electronic one, with a defect notice due within 30 calendar days. An overdue payment "shall bear simple interest at the rate of ten percent (10%) per year," and in litigation "the prevailing party" - either side - recovers a reasonable attorney fee (36 O.S. Sec. 1219) |
| Long-term care free look and preexisting limit | 30 days to return an LTC policy for a refund, and no LTC policy may exclude a loss from a preexisting condition "unless such loss or confinement begins within six (6) months following the effective date of coverage." Oklahoma also runs an LTC Partnership Program (36 O.S. Sec. 4426; OAC 365:10-5-54) |
| Minor's capacity to contract, Oklahoma | Raised from 15 to 16 by HB 1516, effective 1 November 2025 - a minor of 16 may contract for life or health insurance with parental consent. Any study material printing 15 is now wrong (36 O.S. Sec. 3606) |
| Anesthesia time limits, Oklahoma | Prohibited outright: a plan may not impose "time limits or coverage restrictions on anesthesia services provided during a medical or surgical procedure." SB 1019, effective 1 November 2025 - Oklahoma's direct answer to the late-2024 national controversy (36 O.S. Sec. 7500) |
| Contraceptive supply, Oklahoma | The first dispensed supply must be a three-month supply and every subsequent supply a six-month supply, "regardless of enrollment history." SB 176, effective 1 November 2025 (36 O.S. Sec. 6060.3b) |
| Claim-payment refund requests, Oklahoma | An insurer commits an unfair claim settlement practice by requesting a refund from a claimant more than six (6) months or a health care provider more than twelve (12) months after payment. SB 1050 cut both figures from 12 and 18 effective 1 November 2025, and the shorter window is the one protecting the individual (36 O.S. Sec. 1250.5(15)) |
The 63 days is the highest-value fact on this page and probably in the whole Oklahoma health curriculum. Every candidate arrives knowing federal COBRA runs 18 or 36 months, and most state mini-COBRAs run somewhere between three and eighteen months. Oklahoma's runs sixty-three days. The number is not arbitrary and knowing why makes it stick: 63 days is the HIPAA significant-break-in-coverage threshold, so Oklahoma's statute is engineered to bridge a creditable-coverage gap rather than to provide extended coverage. Answer "18 months" on an Oklahoma item and you are wrong; answer "6 months" and you are still wrong. Note the 31st day election deadline sitting next to it too - an odd number that is easy to misremember as 30.
The second cluster worth drilling is the grace period, because Oklahoma has two different rules and candidates routinely apply the wrong one. The famous 7/10/31 ladder - weekly, monthly, everything else - is in 36 O.S. Sec. 4405(A)(3) and belongs to accident and health. Ordinary life is a flat 30 days at Sec. 4003 with no mode variation at all. An item that gives you a monthly-premium life policy and offers 10 days is testing exactly this confusion.
Third, know where the Oklahoma external review is filed and who picks the reviewer. The NAIC Uniform Health Carrier External Review Model Act routes the request through the health carrier. Oklahoma does not: "all requests for external review shall be made in writing to the Insurance Commissioner," and the Commissioner then assigns an approved IRO "on a random basis." Neither the carrier nor the claimant chooses the reviewer. And on the filing deadline, do not be thrown by seeing two numbers in circulation - the statute says "four (4) months" and federal ACA guidance says "120 days." Both are right; four calendar months is 120 to 123 days depending on which months you cross. An item offering both is testing whether you know they are the same rule.
Taking the Oklahoma Exam Under a Remote Proctor
PSI offers remote proctoring for every Oklahoma producer examination, and this is worth stating plainly because several vendors have quietly discontinued remote testing in other states over the past two years. Oklahoma's 7/1/2026 bulletin still puts the choice in front of you at booking, in its own words: "Select your test format: (Test Center) or (Remote Proctored)." OID's 2023 PSI announcement said the same thing when the contract began, describing PSI's "remote testing capabilities (excluding bail bondsman exams)."
The one exclusion is Bail Bondsman. The bulletin is explicit - "Bail bond candidate must test at a testing site. You cannot test remotely." Every producer line, including Accident & Health, is eligible.
No scratch paper, at all. This is the rule that most often surprises candidates who have tested in a centre before, where PSI issues a note board. Remotely you get nothing to write on and nothing to write with. If your study method depends on drawing out a benefit-period timeline or working a coordination-of-benefits problem on paper, practise doing it in your head before you commit to a remote sitting - or book a centre.
Your room and your seat are fixed once you start. The bulletin's remote rules require adequate lighting, a properly positioned webcam, and no changing of your computer or your space mid-exam. There are no breaks. For a 120-minute Accident & Health paper that is two hours in one chair, in one frame, with the camera on you throughout. The prohibited-conduct list applies exactly as it does in a centre: no outside resources, no internet browsing, no reading questions aloud, no instant messaging, no photographing any part of the exam, and nothing that obstructs the proctor's view of you.
Identification is the same requirement either way. One form, and it must be "government issued, current and include your name, signature, and photograph." No temporary identification is accepted. The accepted list runs eight items, and a state driver's licence is the first of them: government-issued driver's licence; US Department of State driver's licence; US learner's permit (plastic card only, with photo and signature); national, state or country identification card; passport; passport card; military ID; alien registration card. One document, not two - which is a genuine differentiator, because several PSI programmes in other states require two.
Arrival and check-in are unforgiving in both formats. You forfeit the entire examination fee if you fail to cancel at least two days before your appointment, if you do not appear, if you are not checked in by your scheduled start time, or if you cannot produce proper identification. That third one is the trap in remote testing, because a check-in that stalls on a system requirement is still a check-in that did not complete.
What to do if you would rather test in a room. Oklahoma has fifteen PSI sites across eleven cities, with the addresses printed in the bulletin itself rather than hidden behind a scheduler - the Property guide walks that list. Between the two formats there is no difference in fee, in question count, in time limit, or in the 70% standard.
What the Oklahoma Accident & Health License Costs
$38 for the exam and $60 for the biennial resident producer license, plus NIPR's transaction fee - about $98 on a first-attempt pass. The same total whether you test in a centre or at home; PSI charges nothing extra for remote proctoring in Oklahoma.
There is no pre-licensing course to buy, because Oklahoma requires none, and no fingerprint fee, because Oklahoma does not fingerprint producer applicants. Those are the two line items that make licensing expensive elsewhere.
The combined Life, Accident & Health paper costs the same $38 as this one and carries both lines. If you expect to need Life at any point, sitting the combined paper once is $38 cheaper and one appointment shorter than sitting two.
Retakes are $38 each with no cap and no penalty. What does cost you money for nothing is a missed or late-cancelled appointment - PSI needs notice at least two days before, and forfeiture is the whole fee.
Renewal is $60 every two years, and a late renewal is "double the original fee" under 36 O.S. Sec. 1435.23 rather than a flat late charge.
Eligibility Requirements
36 O.S. Sec. 1435.7(A): at least 18; no act that is a ground under Sec. 1435.13; fees paid; exam passed - four findings. Sec. 1435.7(C) adds the fifth requirement, that the applicant "demonstrate to the Insurance Commissioner that the applicant is competent, trustworthy, financially responsible, and of good personal and business reputation." That is all of it.
No pre-licensing education. OID's own page says "The OID does not require nor regulate Pre-Licensing Education," and the fifteen exam-prep vendors it lists there are voluntary - their presence on a state page is not a requirement. Note also that 36 O.S. Sec. 1435.29 is captioned "Prelicensing and continuing education" and its operative text contains no prelicensing provision at all; the heading is a vestige, and anyone citing the section by its title alone will infer a mandate that does not exist.
No fingerprints and no criminal-history record check for a resident producer. What Oklahoma does instead is the Uniform Application's background questions, with supporting documents uploaded through NIPR's Attachments Warehouse where an answer is "yes." If you have a felony involving dishonesty or breach of trust in your history, 36 O.S. Sec. 402(B) requires the written consent of the Insurance Commissioner before you may engage in the business of insurance, and OID's 1033 Waiver process takes that up before you sit the exam.
Exam waivers are narrow and contain no designations. OAC 365:25-3-16 names limited lines producers, surplus lines brokers, a pre-11/1/2006 title producer moving to aircraft title, a producer relocating from another state who applies within 90 days, and federally certified multi-peril crop adjusters. Neither 36 O.S. Sec. 1435.10 nor the rule names CLU, ChFC, CFP, RHU, REBC, HIA, CEBS, FLMI or any other designation - a point worth checking against any state guide that publishes a generic designation list.
The relocation waiver is the useful one: Sec. 1435.10(B) requires "no examination or continuing education" for a producer who moves here and applies within 90 days of establishing legal residence, for any line held in the prior state on that date.
Keeping the Oklahoma Accident & Health License
Important CE details: 24 credit hours every two years. Oklahoma splits them 19 general + 3 ethics + 2 legislative update, and the split is worth knowing because it is not all in one place: 36 O.S. Sec. 1435.29(A)(1) requires "not less than twenty-one (21) clock hours" plus "three (3) clock hours of ethics," and the 2-hour state-or-federal legislative update comes from the rule, OAC 365:25-3-1(d)(4), carved OUT of the statutory 21 rather than added on top. Read only the statute and you will never learn the legislative-update requirement exists. Up to 6 excess hours carry forward as general hours to the next 24-month period, and excess hours may be applied to bring a lapsed license into compliance. There is no cap on self-study or online delivery, and no exemption keyed to age or years licensed - the exceptions in OAC 365:25-3-1(c) are limited lines producers and qualifying nonresidents only, plus, in the statute, sitting members of the Legislature. The Commissioner may grant up to a 12-month extension for disability, natural disaster or other extenuating circumstances if you ask in writing at least 30 days before the period ends, and that extension does not move the next cycle's due date. Finish CE at least 30 days before your expiration date; OID tells licensees an expired license cannot be renewed at all.
Biennial, expiring on the last day of your birth month, with 24 CE hours per cycle: 19 general, 3 ethics, 2 legislative update. Renewal opens about 90 days out and is online only; finish CE 30 days before expiration.
The training gate that attaches to this line is long-term care. OAC 365:25-3-1.4 requires an initial course of "no less than eight (8) hours" and then "no less than four (4) hours every 24-months" for a producer engaged in LTC activity, and it reaches anyone holding either the accident and health or sickness line or the life line. The hours are CE-creditable - the rule says they "may be approved as continuing education courses under Section 1435.29" - so they come out of your 24 rather than sitting on top.
Medicare Advantage and Part D require this line and no training hours from the state. OAC 365:25-3-18 imposes a licensing gate, not an education gate: an individual may not sell, solicit or negotiate MA or Part D products "unless the individual is licensed as an insurance producer for accident and health." The AHIP-style certification you will actually complete every year is a carrier and federal requirement, not an Oklahoma one. The same rule also bars a producer from accepting "compensation based on the number of sales of Medicare Advantage products and plans."
There is no flood training requirement in Oklahoma, and this is worth stating because the state used to have one. OID removed the one-hour flood CE requirement effective 15 September 2019; renewals processed before that date still had to satisfy it, and flood courses continue to "apply towards general continuing education credit for all license types." So a flood course counts as a general elective and nothing more.
If you let it lapse: 36 O.S. Sec. 1435.8(C) allows reinstatement without re-examination within twelve months of the renewal due date, at "double the unpaid renewal fee." OID administers it as a fresh initial application - it says plainly that "an expired license may not be renewed" - but your license number and original expiration date survive, and you must be CE compliant at least 48 hours before submitting.
One licensing risk specific to a working health producer: 36 O.S. Sec. 1435.13(A)(15) makes "failing to respond to an inquiry from the Department as required" a ground to censure, suspend, revoke or refuse a license. It pairs with Sec. 1250.4(B), which gives "any person subject to the jurisdiction of the Commissioner" twenty calendar days to answer an OID inquiry - extendable by up to seven more calendar days for good cause - and requires that both the inquiry and the response be delivered electronically. That subsection is the one limb of the Unfair Claims Settlement Practices Act that reaches producers directly rather than only insurers.
Quick Reference
Official Links
Don't study generic. Study Oklahoma.
You've got the roadmap. Now get the Oklahoma-specific Health question bank, mock exams, and video course built by instructors with 20+ years teaching this material.