The Pennsylvania Health insurance license provides authority to sell Accident and Health insurance products in Pennsylvania. Applicants must pass the Pennsylvania Accident and Health licensing examination and complete the state’s application and licensing requirements.
This guide explains what the Pennsylvania Health insurance license allows you to sell, how the state exam works, how to prepare, and the requirements to become licensed.
For the complete licensing process, including application, fingerprinting, fees, and state procedures, review our Pennsylvania Insurance License Requirements page.
What Is the Pennsylvania Health Insurance License?
Pennsylvania officially refers to the Health line of authority as Accident and Health. It allows an insurance producer to sell health-related insurance products in Pennsylvania.
Products may include:
- Individual and group health insurance
- Major medical coverage
- Disability income insurance
- Accident coverage
- Medicare supplement coverage
- Long-term care insurance
Certain products may require additional training, certification, appointments, or other requirements before they can be sold.
Unlike the Pennsylvania Life and Health Insurance License, the Health license does not provide Life insurance authority.
Is Pre-Licensing Education Required for a Pennsylvania Health License?
No. Pennsylvania does not require applicants to complete a state-mandated pre-licensing education course before taking the Accident and Health licensing exam.
Pennsylvania removed its pre-licensing education requirement for first-time insurance producer applicants, so candidates can prepare for and take the required examination without completing a specific number of state-required education hours.
Because there is no required course-hour requirement, exam preparation should focus on the material contained in the Pennsylvania Accident and Health examination content outline and consistent performance on exam-style questions.
Pennsylvania Health Insurance Exam
Applicants pursuing the Health line take the Pennsylvania Accident and Health examination administered by PSI.
The Accident and Health examination is exam series 16-02. Pennsylvania also offers a combined Life, Accident and Health examination, series 16-03, for applicants pursuing both lines.
The exam tests general Accident and Health insurance concepts along with Pennsylvania-specific insurance laws and regulations. A minimum score of 70% is required to pass.
Applicants may take the examination at a PSI testing center or through remote proctoring.
What Pennsylvania Health Insurance Exam Prep Covers
Pennsylvania Health exam preparation should follow the state’s Accident and Health examination content outline and prepare applicants for both general insurance concepts and Pennsylvania-specific material.
Topics include:
- Health insurance fundamentals
- Individual and group health insurance
- Policy provisions and benefits
- Disability income insurance
- Accident coverage
- Medicare supplement and long-term care concepts
- Pennsylvania insurance laws and regulations
- Agent responsibilities and consumer protections
Our Pennsylvania Health Insurance Exam Prep includes exam-style practice questions and timed practice exams to reinforce the material and help you determine when you are ready for the licensing exam.
How Long Should You Prepare for the Pennsylvania Health Exam?
Many applicants prepare for the Pennsylvania Health insurance exam within one to three weeks when studying consistently.
Rather than scheduling the exam based only on the number of days you have studied, use your understanding of the material and performance on comprehensive practice exams to determine when you are ready to test.
Pennsylvania Health Insurance Licensing Requirements
The licensing process generally follows these steps:
- Prepare for the Pennsylvania Accident and Health licensing exam
- Schedule and pass the Accident and Health exam through PSI
- Submit the Pennsylvania resident producer license application
- Register for and submit electronic fingerprints
- Receive approval from the Pennsylvania Insurance Department
The order of the application and fingerprinting steps is important. Pennsylvania instructs new resident producer applicants to pass any required examination and submit the license application before completing fingerprinting. Fingerprint results received without a corresponding application are not accepted.
For detailed application, fingerprinting, fees, and licensing instructions, review our Pennsylvania Insurance License Requirements page.
Pennsylvania Health vs. Life and Health
The difference between the Pennsylvania license options is the authority each provides:
- Health: Accident and Health authority
- Life: Life insurance and annuity authority
- Life and Health: Both Life and Accident and Health authority
Applicants who plan to focus only on Health insurance products can pursue the Accident and Health line individually. Those who expect to work with both Life and Health products can pursue both lines through Pennsylvania’s combined Life, Accident and Health examination.
For information about obtaining both lines, review our Pennsylvania Life and Health Insurance License Guide.
Choosing Pennsylvania Health Insurance Exam Prep
Because Pennsylvania does not require state-mandated pre-licensing education, applicants can choose exam preparation based on how effectively it prepares them for the Accident and Health licensing examination.
Look for Pennsylvania-specific instruction, exam-style practice questions, timed practice exams, and feedback that identifies areas requiring additional review.
National Online Insurance School’s Pennsylvania Health course is designed specifically for exam preparation and does not represent a state-required education-hour requirement.
Frequently Asked Questions
What is the Pennsylvania Health insurance license called?
Pennsylvania officially refers to the Health line as Accident and Health. Applicants pursuing this line take the Accident and Health licensing examination.
Does Pennsylvania require pre-licensing education for a Health insurance license?
No. Pennsylvania does not require a specific pre-licensing education course or number of education hours before taking the Accident and Health licensing examination.
What exam do you take for a Pennsylvania Health insurance license?
Applicants pursuing the Health line take the Pennsylvania Accident and Health examination, PSI exam series 16-02.
What score do you need to pass the Pennsylvania Health insurance exam?
A minimum score of 70% is required to pass the Pennsylvania Accident and Health examination.
Can you sell life insurance with a Pennsylvania Health license?
No. Accident and Health authority does not provide Life insurance authority. Applicants who plan to sell both Life and Health products can pursue both lines through the combined Life, Accident and Health examination.
When should you submit fingerprints in Pennsylvania?
New resident producer applicants should pass the required examination and submit the license application before completing fingerprinting.
Next Steps
If you plan to become a Health insurance agent in Pennsylvania, the next step is preparing for the Pennsylvania Accident and Health licensing examination.
Review our Pennsylvania Health Insurance Exam Prep to prepare for the Pennsylvania state exam.
