The Oregon Accident and Health Producer License
Health is one of the classes of authority listed at ORS 744.062(1)(b), and Oregon's statutory vocabulary for it is "health insurance" rather than the "accident and sickness" some states use - though PSI titles the exam Accident and Health, series 12-02. It is a standalone line with its own exam and its own 20-hour course.
The line reaches individual and group health, disability income, Medicare supplement and long-term care. Long-term care carries its own training gate on top of the licence, and Medicare supplement carries its own free look - both are set out below.
To be licensed you must be at least 18, complete 20 hours of pre-licensing for the Health line, pass at 70%, be fingerprinted, and file through NIPR before the course certificate expires. Because Oregon puts all lines on one licence, adding Life later means a second course and a second exam but not a second licence or a second $75.
Health Alone, or Life and Health Together
| Health alone (12-02) | Life and Health combined (12-03) | |
|---|---|---|
| Scored questions | 100 | 150 |
| Time | 2 hours | 2 hours 40 minutes |
| Exam fee | $45 | $55 |
| Pre-licensing | 20 hours | 40 hours - 20 per line |
| Seconds per scored question | 72 | 64 |
The standalone Health paper gives you 72 seconds per scored question against 64 on the combined exam. That eight-second gap is worth more than it looks on a health paper, because health items lean on multi-part fact patterns - a continuation question that hands you a group size, a qualifying event and a date is three reads, not one.
The classroom arithmetic matters more. Oregon writes its pre-licensing requirement per line of authority, so the combined exam still means 40 hours of coursework. A candidate whose plan is health-only work is paying for a second 20-hour course to save eight seconds a question and nothing else.
Add 5 to 10 unscored experimental items to whichever paper you sit. The bulletin states it plainly and does not tell you which items they are.
Most Tested Topics on the Oregon Health Exam
Oregon reorganised its health law into chapter 743B and left the older individual-policy provisions behind in chapter 743, which means half of what this exam tests is in one chapter and half in the other. These are the clusters that differ from national material. From the TESTivity Oregon regulations curriculum, statute-verified:
| Concept | The Oregon rule |
|---|---|
| Free look, health policy | 10 days from delivery on every health insurance policy except single premium nonrenewable policies, with the notice required on the face of the policy or attached to it. A returned policy is "void from the beginning and the parties shall be in the same position as if no policy had been issued" (ORS 743.492) |
| Grace period, individual health | Oregon splits by product type, not by premium mode - the 7/10/31-day-by-mode structure most texts teach is simply not Oregon's rule. At least 10 days for a policy other than an individual health benefit plan; at least 30 days for an individual health benefit plan (ORS 743.417(1)(a), (b)) |
| Notice of intent not to renew, individual health | 30 days before the premium due date, and the insurer "shall state in the notice the reason for its refusal to renew." It sits inside the grace-period section as a prefix the policy may carry (ORS 743.417(3)) |
| Clean claim deadline | 30 calendar days to "pay a clean claim or deny the claim," measured per individual claim. It is a duty owed on each claim, not a percentage-of-monthly-volume portfolio test (ORS 743B.450(1)) |
| Interest on a late clean claim | 12% simple per annum, accruing from the 31st day after the insurer received the claim or the requested additional information. It is automatic and payable with the claim - the claimant does not ask for it - and no interest is owed where it would come to $2 or less (ORS 743B.452) |
| External review decision clock | The independent review organisation decides not later than the 30th day after the enrollee applies to the insurer (ORS 743B.256(4)), or the third day for an expedited review (ORS 743B.256(3)). The anchor is the date the ENROLLEE APPLIES, not the date the IRO receives the file |
| State continuation, who it covers | Employers below the federal COBRA threshold - ORS 743B.347(11) applies the section "only to employers who are not required to make available continuation" under federal COBRA. And it is a mandated policy provision, not merely a duty to offer: a group policy covering essential health benefits "must contain a provision allowing continuation of coverage" (ORS 743B.347(2)(b), (11)) |
| State continuation, duration | Nine months from the qualifying event - a flat term, well short of federal COBRA's 18 to 36 months, and it does not lengthen for disability or for a second qualifying event (ORS 743B.347(7)(a)) |
| State continuation, election and notice | The insurer must give written notice within 10 days of learning of a qualifying event, and the covered person has at least 10 days after the later of the qualifying event or that notice to elect. Premium is the group rate, monthly in advance (ORS 743B.347(4), (5), (6), (10)) |
| Hospitalised at termination | A different section and a different rule: where a group policy terminates and is immediately replaced by another insurer's group policy, benefits continue for a person hospitalised on the termination date until the confinement ends or hospital benefits are exhausted, whichever is earlier (ORS 743B.341) |
| Long-term care training gate | A one-time 8-hour course before you may sell, solicit or negotiate LTC, then 4 hours every two years. Both count toward the 24-hour CE total if Oregon-approved. DFR puts the verification duty on the appointing insurers, not only on the producer (DFR special education requirements) |
| Long-term care free look | 30 days from delivery, statutory rather than by rule, with the refund made within 30 days of the return or denial - and a notice to that effect required on the policy or certificate (ORS 743.655(6)) |
The single most productive thing to fix before this exam is the grace period. Almost every national text teaches health grace periods as a function of how often the premium is paid - seven days weekly, ten days monthly, thirty-one days otherwise. Oregon does not do that at all. It asks what kind of product it is: an individual health benefit plan gets 30 days, anything else gets 10. If an item gives you a premium mode and expects you to use it, the mode is the distractor.
The second is who the continuation law reaches. Oregon's nine-month continuation is not a supplement layered on top of federal COBRA - subsection (11) switches it off entirely for any employer federal COBRA already binds. So the answer to "a 40-employee Oregon firm terminates an employee; how long is state continuation?" is that state continuation does not apply; federal COBRA does. Candidates who learn "Oregon: 9 months" without the scope get that item wrong.
One more worth an easy point: the prompt-pay interest. Twelve percent from the thirty-first day is memorable enough, but the part items are written around is that it is automatic and paid with the claim. A distractor saying the provider must request it, or that the Director must order it, is testing that word.
Taking the Oregon Exam by Remote Proctor
Oregon is one of the states where the option survived. DFR says so in terms - "Oregon offers both test center and online remote-proctored testing" - and PSI's 8/5/2025 bulletin carries a dedicated remote section. Given how many vendors have quietly withdrawn remote insurance testing, that is worth confirming at the moment you book rather than assuming from this page.
Two restrictions decide whether remote is right for you, and both are absolute:
No breaks. The bulletin: "Breaks are NOT allowed during remote online proctored examinations." Test-centre candidates may leave for the restroom with proctor permission and no extra time; remote candidates may not leave at all. On a 2-hour Health paper that is manageable; on the 2-hour-40-minute combined exam it is a real consideration.
No scratch paper. "Candidates are not allowed to have scratch paper." If your method for a coordination-of-benefits or a continuation-timeline item is to sketch it, that method does not travel to a remote sitting.
The room rules are specific and the proctor enforces them live: adequate lighting "for the proctor to see candidate's activity," the webcam positioned for ideal viewing, and you may not change spaces and may not change computers once the exam begins. The proctor is also watching for two behaviours the bulletin names - "Keeping hands on the desktop" and "Keeping eyes on the computer screen."
Identification works exactly as it does at a centre: one valid, non-expired, signature-bearing photo ID, and the name you registered under must match it. The Life & Health guide lists the six accepted documents.
Run the compatibility check before the day, not on it. The bulletin is emphatic - "BE SURE TO CHECK THE COMPATIBILTY OF YOUR COMPUTER to include Audio/Video Check, Webcam Check and System Check" (PSI's typo, not ours). PSI technical support is (844) 267-1017.
On timing, the bulletin contradicts itself: one line says you may launch "within 30 minutes of your booked test time," and the forfeiture list says you lose your fee "by not starting your test within 15 minutes after your booked time." Treat 15 minutes as the deadline - it is the number attached to losing the money.
What the Oregon Health License Costs
| Item | Amount | Paid to |
|---|---|---|
| Pre-licensing, 20 hours | Varies by school | One of DFR's registered schools |
| Accident and Health exam (12-02) | $45 per attempt | PSI |
| Fingerprints | $61.25 - $46.25 state, $15.00 PSI | Paid at the site on the day |
| Initial application | $75 flat, all lines | DFR, through NIPR |
| Renewal, on time | $45 | DFR |
| Renewal, late | $90 | DFR |
A remote sitting costs the same $45 as a centre sitting - Oregon charges no premium for it and no discount. What it can cost you is the fee itself, and remote candidates carry an extra way to lose it: the test-centre forfeiture list runs to four items (no cancellation two days out, no-show, arriving after the start time, no proper ID), and the remote section adds a fifth of its own - "not starting your test within 15 minutes after your booked time." A failed compatibility check ten minutes before the launch window is an expensive way to discover your webcam driver.
The LTC training is a separate spend if you will sell long-term care - 8 hours before your first LTC sale, then 4 hours every two years. Those hours count toward the 24, so the marginal cost is the difference between an LTC course and whatever else you would have taken.
Eligibility Requirements
Be at least 18. Complete 20 hours of pre-licensing for the Health line from a DFR-registered school. Pass series 12-02 at 70%. Submit electronic fingerprints - ink cards are not accepted - and file through NIPR before the course certificate's one-year anniversary.
Three designations in OAR 836-071-0180(7) reach the health line specifically and waive the coursework: HIA (Health Insurance Associate), REBC (Registered Employee Benefits Consultant) and RHU (Registered Health Underwriter), each on three years of experience. CEBS and LUTCF reach life and health together. None of them waives the exam - the Life & Health guide sets out why the handbook's list and the rule's list do not match.
If long-term care is in your plan, budget the 8-hour initial course into your first year rather than your first cycle: it is a gate on selling, not a renewal obligation, and DFR makes the appointing insurers responsible for confirming you have done it before you write the business.
Keeping the Oregon Health License
Important CE details: 24 credit hours of DFR-approved CE per two-year renewal cycle - OAR 836-071-0215(1) states it two ways, "12 hours of continuing education annually or 24 hours in each two-year renewal period." Subsection (2) requires the cycle to INCLUDE at least 3 hours of Oregon statutes and administrative rules and at least 3 hours of professional ethics; they come out of the 24, not on top of it. No more than 4 hours of agency management counts - OAR 836-071-0230(2) caps the office-management subject at four hours a renewal period - and no more than 8 credit hours may be earned in one day. Carryover is barred - OAR 836-071-0225(1)(e) credits an hour only if it was completed during the licence period immediately preceding the renewal date. The 24 is flat and covers every line you hold; it does not stack per line. Selling long-term care on this licence takes a one-time 8-hour course before you may sell, then 4 hours every two years - and DFR puts the burden of verifying it on the appointing insurers, not only on you.
Biennial renewal on the last day of your birth month, 24 hours of CE per cycle, at least 3 in professional ethics and at least 3 in Oregon statutes and administrative rules - both counted inside the 24.
The health line carries the heaviest product-specific load of any Oregon line. Long-term care is 8 hours one-time plus 4 every two years. If you also hold Life and sell annuities, that is a further one-time 4 credit hours with Best Interest content. Both count toward the 24, so a producer who writes LTC and annuities may find most of a cycle already spoken for - which is fine, provided the ethics and Oregon-law hours are still in there.
Carryover will not save you. OAR 836-071-0225(1)(e) credits an hour "only if the hour for which credit is taken was completed during the license period immediately preceding the renewal date," so a cycle where you overshoot buys nothing for the next one. The same rule caps you at 8 credit hours in any one day, which rules out clearing a deficit in a weekend.
The Property & Casualty guide covers renewal timing, the late tiers and the 12-month reinstatement window in full.
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