NY SERIES 17-52 ACCIDENT & HEALTH INSURANCE ACTUAL VERIFIED EXAM | NYDFS | 2026/2027
VERIFIED Q&A | PROFESSIONAL INSURANCE AGENT AND BROKER CANDIDATES
NY 17-52
A&H INSURANCE
2026/2027
NY Series 17-52 Accident and Health Insurance
NYDFS - Actual Verified Exam 2026/2027
2026/2027 Academic Year | Verified Q&A for Professional Insurance
Agent and Broker Candidates | NYDFS
150Q VERIFIED NEWEST EXAM RATIONALES
ACTUAL EXAM 2026/2027 NYDFS
INCLUDES:
• Health Insurance Basics, Disability, Medical Plans, HMO, PPO, Federal Regs
• NY Laws, Regulations, Medicare, Medicaid, ACA, Long-Term Care, Compliance
• 150 Verified Questions + Answers + Detailed Rationales | Series 17-52
• Professional Study Guide | Borders + Page Numbers | NYDFS 2026/2027 Edition
NY Series 17-52 Accident & Health Insurance | NYDFS | Not affiliated with NYDFS
Confidential Study Guide - Educational Purposes Only | 2026/2027 Edition
,Health Insurance Basics Disability Medical Expense Managed Care Federal
Description: Health insurance basics field of insurance covering medical expenses loss of income due to sickness injury, types of health insurance policies disability income
insurance replaces loss of income due to inability work, medical expense insurance covers medical costs hospital surgical physician major medical, dental vision,
accidental death dismemberment, long-term care, principles insurable interest, underwriting, health insurance basics policy structure declarations insuring agreement
conditions exclusions, disability income insurance short-term disability STD benefits 13-26 weeks elimination period waiting period 0-14 days benefits 60% income,
long-term disability LTD benefits months years to age 65 67 elimination 30 60 90 180 days, benefit period maximum time benefits payable, own occupation vs any
occupation definition total disability, partial residual disability, waiver of premium, cost of living adjustment COLA, guaranteed insurable rider, medical expense insurance
basic hospital expense room board daily benefit miscellaneous drugs lab X-ray, basic surgical expense surgeon's fees schedule, basic medical expense physician office
visits, major medical insurance high limits $1M+ deductible coinsurance 80/20 stop-loss out-of-pocket limit, comprehensive major medical combines basic major, HMO
Health Maintenance Organization characteristics prepaid, gatekeeper PCP Primary Care Physician referral required specialist, no out-of-network except emergency, PPO
Preferred Provider Organization no referral in-network lower cost out-of-network higher cost, POS Point of Service hybrid HMO PPO, EPO Exclusive Provider Organization
like PPO no out-of-network, managed care cost containment utilization review preauthorization second opinion, federal regulations ACA Affordable Care Act 2010 essential
health benefits 10 categories preventive no cost sharing marketplace exchange subsidies premium tax credit cost sharing, guaranteed issue no pre-existing exclusion,
HIPAA Health Insurance Portability Accountability Act 1996 portability creditable coverage pre-existing limitations, privacy security, COBRA Consolidated Omnibus Budget
Reconciliation Act 1985 continuation coverage 18 months employee termination reduced hours 36 months dependent events qualifying events 60-day election.
NY Insurance Laws Regulations Medicare Medicaid Group Provisions
Description: NY laws and regulations New York State Department of Financial Services NYDFS Article 21 Insurance Law licensing requirements agent insurance agent
represents insurer broker represents insured, Series 17-70 Life Accident Health, Series 17-52 Accident Health only, Series 17-55 Life only, licensing exam fingerprinting
pre-licensing education 20 hours, continuing education CE 15 hours every 2 years including 1 hour ethics, unfair trade practices NY Insurance Law 2402 2601
misrepresentation false advertising twisting inducing to lapse, rebating illegal inducement, unfair claim settlement, replacement, Regulation 11 187 suitability best interest,
advertising, New York specific rules, Medicare federal health insurance age 65+ certain disabilities ESRD, Parts Part A Hospital Insurance inpatient hospital skilled nursing
hospice premium free if 40 quarters, Part B Medical Insurance physician outpatient preventive premium monthly, Part C Medicare Advantage MA private plans must cover
A B often D HMO PPO, Part D Prescription Drug Coverage private PDP formulary tiers donut hole coverage gap, Medigap Medicare Supplement 10 standardized plans A
B C D F G K L M N benefits, enrollment periods Initial IEP 7 months around 65 Annual AEP Oct 15 Dec 7 Open OEP Jan 1 Mar 31 Special SEP, Medicaid federal state
need-based low income assets eligibility categorical aged blind disabled, benefits mandatory optional, dual eligible Medicare Medicaid, long-term care LTC continuum care
nursing home facility care 24-hour, home health care, adult day care, respite, New York State Partnership for Long-Term Care, group health insurance employer sponsored
characteristics group underwriting based on group not individual health, 75% participation requirement non-contributory 100%, coordination of benefits COB, conversion
privilege group to individual upon termination, COBRA continuation, accident and health insurance policy provisions NAIC National Association Insurance Commissioners
uniform provisions mandatory 12 provisions Entire Contract, Time Limit on Certain Defenses incontestability 2-3 years, Grace Period 7 10 31 days, Reinstatement, Notice
of Claim 20 days, Claim Forms, Proof of Loss 90 days, Time Payment Claims prompt, Payment Claims, Physical Exam Autopsy, Legal Actions 3 years after proof loss,
Change of Beneficiary, optional provisions Change of Occupation Misstatement Age Relation Earnings Insurance with Other Insurers same insurer Other Insurance with
Other Insurers Unrelated.
NY 17-52 Exam Domains Compliance Professional Agent Broker
Description: NY Series 17-52 Accident and Health Insurance exam domains NYDFS outline General Insurance 10% insurance law contract, Accident Health Basics 20%
types policies, Disability Income 10% provisions riders, Medical Expense 15% types managed care, Federal Regulations 10% ACA HIPAA COBRA FMLA, NY Laws
Regulations 20% licensing unfair practices, Senior Health Medicare Medicaid Long-Term Care 15%, professional insurance agent and broker candidates duties fiduciary
responsibility, ethics, continuing education, compliance anti-money laundering, market conduct, underwriting factors medical MIB Medical Information Bureau, physical
exam, field underwriting agent responsibility, policy issuance delivery, premium modes, replacement procedures, suitability best interest Regulation Best Interest BI, New
York specific health insurance mandates autism, infertility, mental health parity, newborn, domestic partner, accident health provisions mandatory uniform optional, riders
additional benefits waiver premium accidental death, guaranteed insurability, NYDFS licensing exam testing provider PSI, passing score 70%, Series 17-52 license
authorizes accident health only not life, appointment with insurers, appointment termination, reporting requirements, professional agent broker exam 2026/2027 academic
year verified questions answers, New York State Department of Financial Services regulatory authority, NY Insurance Law sections, compliance ethics 2026/2027 edition.
Page 2 - NY 17-52 A&H Insurance 150Q 2026/2027
,Question 1: Q1: Health insurance basics - types of health insurance policies?
A. Health insurance types Disability income loss of income, Medical expense hospital surgical major medical, Dental vision, types comprehensive
B. Only disability health insurance basics
C. Only medical health insurance basics
D. No types health insurance basics
CORRECT ANSWER: A. Health insurance types Disability income loss of income, Medical expense hospital surgical major medical, Dental
vision, types comprehensive
RATIONALE:
Rationale: Health insurance types Disability income loss of income, Medical expense hospital surgical major medical, Dental vision, types comprehensive. Per NYDFS NY
Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 2: Q2: Disability income - short-term vs long-term disability?
A. No elimination period disability income
B. Short-term same as long-term disability
C. Disability income short-term 13-26 weeks elimination 0-14 days, long-term months years to 65 elimination 30-180 days, benefit period, own occupation
D. No benefit period disability income
CORRECT ANSWER: C. Disability income short-term 13-26 weeks elimination 0-14 days, long-term months years to 65 elimination 30-180 days,
benefit period, own occupation
RATIONALE:
Rationale: Disability income short-term 13-26 weeks elimination 0-14 days, long-term months years to 65 elimination 30-180 days, benefit period, own occupation. Per
NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 3: Q3: Medical expense - basic hospital surgical major medical?
A. Only surgical medical expense
B. Only hospital medical expense
C. No major medical medical expense
D. Medical expense basic hospital room board miscellaneous, surgical surgeon's fees, major medical high limits catastrophic, comprehensive
CORRECT ANSWER: D. Medical expense basic hospital room board miscellaneous, surgical surgeon's fees, major medical high limits
catastrophic, comprehensive
RATIONALE:
Rationale: Medical expense basic hospital room board miscellaneous, surgical surgeon's fees, major medical high limits catastrophic, comprehensive. Per NYDFS NY
Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 4: Q4: HMO PPO - managed care organizations?
A. HMO no gatekeeper managed care
B. Managed care HMO Health Maintenance Organization gatekeeper PCP referral, PPO Preferred Provider Organization no referral in-network
out-network, POS EPO
C. PPO requires referral managed care
D. No managed care organizations
CORRECT ANSWER: B. Managed care HMO Health Maintenance Organization gatekeeper PCP referral, PPO Preferred Provider Organization
no referral in-network out-network, POS EPO
RATIONALE:
Rationale: Managed care HMO Health Maintenance Organization gatekeeper PCP referral, PPO Preferred Provider Organization no referral in-network out-network, POS
EPO. Per NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker
candidate requirements 2026/2027.
Question 5: Q5: Federal regulations - ACA HIPAA COBRA?
A. Federal ACA Affordable Care Act essential benefits marketplace subsidies, HIPAA portability pre-existing privacy, COBRA continuation 18 months 36
months qualifying event
B. No ACA federal regulations
C. No HIPAA federal regulations
D. No COBRA federal regulations
CORRECT ANSWER: A. Federal ACA Affordable Care Act essential benefits marketplace subsidies, HIPAA portability pre-existing privacy,
COBRA continuation 18 months 36 months qualifying event
RATIONALE:
Rationale: Federal ACA Affordable Care Act essential benefits marketplace subsidies, HIPAA portability pre-existing privacy, COBRA continuation 18 months 36 months
qualifying event. Per NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional
agent/broker candidate requirements 2026/2027.
Question 6: Q6: NY laws and regulations - licensing and unfair practices?
A. No unfair practices NY laws
B. No licensing NY laws
C. NY laws Article 21 licensing agent broker, unfair trade practices misrepresentation twisting rebating, NY Regulation 11 187, continuing education
D. No regulations NY laws
CORRECT ANSWER: C. NY laws Article 21 licensing agent broker, unfair trade practices misrepresentation twisting rebating, NY Regulation 11
187, continuing education
RATIONALE:
Page 3 - NY 17-52 A&H Insurance 150Q 2026/2027
, Rationale: NY laws Article 21 licensing agent broker, unfair trade practices misrepresentation twisting rebating, NY Regulation 11 187, continuing education. Per NYDFS
NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 7: Q7: Medicare - Parts A B C D and Medigap?
A. No Medigap Medicare
B. Only Part A Medicare
C. Only Parts A B Medicare
D. Medicare 65+ disabled Parts A hospital B medical C Medicare Advantage D prescription, Medigap 10 standardized plans A-N, enrollment periods
CORRECT ANSWER: D. Medicare 65+ disabled Parts A hospital B medical C Medicare Advantage D prescription, Medigap 10 standardized
plans A-N, enrollment periods
RATIONALE:
Rationale: Medicare 65+ disabled Parts A hospital B medical C Medicare Advantage D prescription, Medigap 10 standardized plans A-N, enrollment periods. Per NYDFS
NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 8: Q8: Medicaid and long-term care - eligibility and benefits?
A. No eligibility Medicaid LTC
B. Medicaid need-based federal state, eligibility income assets, long-term care LTC nursing home home health adult day, NY Partnership
C. Only nursing home Medicaid LTC
D. No benefits Medicaid LTC
CORRECT ANSWER: B. Medicaid need-based federal state, eligibility income assets, long-term care LTC nursing home home health adult day,
NY Partnership
RATIONALE:
Rationale: Medicaid need-based federal state, eligibility income assets, long-term care LTC nursing home home health adult day, NY Partnership. Per NYDFS NY Series
17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate requirements
2026/2027.
Question 9: Q9: Group health - group underwriting and conversion?
A. Group health employer sponsored underwriting group not individual, characteristics 75% participation, conversion privilege group to individual, COBRA
B. No underwriting group health
C. No conversion group health
D. No COBRA group health
CORRECT ANSWER: A. Group health employer sponsored underwriting group not individual, characteristics 75% participation, conversion
privilege group to individual, COBRA
RATIONALE:
Rationale: Group health employer sponsored underwriting group not individual, characteristics 75% participation, conversion privilege group to individual, COBRA. Per
NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 10: Q10: Accident and health provisions - mandatory uniform provisions?
A. Only optional provisions A&H;
B. No mandatory provisions A&H;
C. A&H; provisions mandatory 12 uniform provisions Entire Contract Time Limit Grace Notice Claim Proof Claim Time Payment Physical Exam Autopsy
Legal Action Change Beneficiary, optional
D. No uniform provisions A&H;
CORRECT ANSWER: C. A&H; provisions mandatory 12 uniform provisions Entire Contract Time Limit Grace Notice Claim Proof Claim Time
Payment Physical Exam Autopsy Legal Action Change Beneficiary, optional
RATIONALE:
Rationale: A&H; provisions mandatory 12 uniform provisions Entire Contract Time Limit Grace Notice Claim Proof Claim Time Payment Physical Exam Autopsy Legal
Action Change Beneficiary, optional. Per NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance
Law, and professional agent/broker candidate requirements 2026/2027.
Page 4 - NY 17-52 A&H Insurance 150Q 2026/2027
VERIFIED Q&A | PROFESSIONAL INSURANCE AGENT AND BROKER CANDIDATES
NY 17-52
A&H INSURANCE
2026/2027
NY Series 17-52 Accident and Health Insurance
NYDFS - Actual Verified Exam 2026/2027
2026/2027 Academic Year | Verified Q&A for Professional Insurance
Agent and Broker Candidates | NYDFS
150Q VERIFIED NEWEST EXAM RATIONALES
ACTUAL EXAM 2026/2027 NYDFS
INCLUDES:
• Health Insurance Basics, Disability, Medical Plans, HMO, PPO, Federal Regs
• NY Laws, Regulations, Medicare, Medicaid, ACA, Long-Term Care, Compliance
• 150 Verified Questions + Answers + Detailed Rationales | Series 17-52
• Professional Study Guide | Borders + Page Numbers | NYDFS 2026/2027 Edition
NY Series 17-52 Accident & Health Insurance | NYDFS | Not affiliated with NYDFS
Confidential Study Guide - Educational Purposes Only | 2026/2027 Edition
,Health Insurance Basics Disability Medical Expense Managed Care Federal
Description: Health insurance basics field of insurance covering medical expenses loss of income due to sickness injury, types of health insurance policies disability income
insurance replaces loss of income due to inability work, medical expense insurance covers medical costs hospital surgical physician major medical, dental vision,
accidental death dismemberment, long-term care, principles insurable interest, underwriting, health insurance basics policy structure declarations insuring agreement
conditions exclusions, disability income insurance short-term disability STD benefits 13-26 weeks elimination period waiting period 0-14 days benefits 60% income,
long-term disability LTD benefits months years to age 65 67 elimination 30 60 90 180 days, benefit period maximum time benefits payable, own occupation vs any
occupation definition total disability, partial residual disability, waiver of premium, cost of living adjustment COLA, guaranteed insurable rider, medical expense insurance
basic hospital expense room board daily benefit miscellaneous drugs lab X-ray, basic surgical expense surgeon's fees schedule, basic medical expense physician office
visits, major medical insurance high limits $1M+ deductible coinsurance 80/20 stop-loss out-of-pocket limit, comprehensive major medical combines basic major, HMO
Health Maintenance Organization characteristics prepaid, gatekeeper PCP Primary Care Physician referral required specialist, no out-of-network except emergency, PPO
Preferred Provider Organization no referral in-network lower cost out-of-network higher cost, POS Point of Service hybrid HMO PPO, EPO Exclusive Provider Organization
like PPO no out-of-network, managed care cost containment utilization review preauthorization second opinion, federal regulations ACA Affordable Care Act 2010 essential
health benefits 10 categories preventive no cost sharing marketplace exchange subsidies premium tax credit cost sharing, guaranteed issue no pre-existing exclusion,
HIPAA Health Insurance Portability Accountability Act 1996 portability creditable coverage pre-existing limitations, privacy security, COBRA Consolidated Omnibus Budget
Reconciliation Act 1985 continuation coverage 18 months employee termination reduced hours 36 months dependent events qualifying events 60-day election.
NY Insurance Laws Regulations Medicare Medicaid Group Provisions
Description: NY laws and regulations New York State Department of Financial Services NYDFS Article 21 Insurance Law licensing requirements agent insurance agent
represents insurer broker represents insured, Series 17-70 Life Accident Health, Series 17-52 Accident Health only, Series 17-55 Life only, licensing exam fingerprinting
pre-licensing education 20 hours, continuing education CE 15 hours every 2 years including 1 hour ethics, unfair trade practices NY Insurance Law 2402 2601
misrepresentation false advertising twisting inducing to lapse, rebating illegal inducement, unfair claim settlement, replacement, Regulation 11 187 suitability best interest,
advertising, New York specific rules, Medicare federal health insurance age 65+ certain disabilities ESRD, Parts Part A Hospital Insurance inpatient hospital skilled nursing
hospice premium free if 40 quarters, Part B Medical Insurance physician outpatient preventive premium monthly, Part C Medicare Advantage MA private plans must cover
A B often D HMO PPO, Part D Prescription Drug Coverage private PDP formulary tiers donut hole coverage gap, Medigap Medicare Supplement 10 standardized plans A
B C D F G K L M N benefits, enrollment periods Initial IEP 7 months around 65 Annual AEP Oct 15 Dec 7 Open OEP Jan 1 Mar 31 Special SEP, Medicaid federal state
need-based low income assets eligibility categorical aged blind disabled, benefits mandatory optional, dual eligible Medicare Medicaid, long-term care LTC continuum care
nursing home facility care 24-hour, home health care, adult day care, respite, New York State Partnership for Long-Term Care, group health insurance employer sponsored
characteristics group underwriting based on group not individual health, 75% participation requirement non-contributory 100%, coordination of benefits COB, conversion
privilege group to individual upon termination, COBRA continuation, accident and health insurance policy provisions NAIC National Association Insurance Commissioners
uniform provisions mandatory 12 provisions Entire Contract, Time Limit on Certain Defenses incontestability 2-3 years, Grace Period 7 10 31 days, Reinstatement, Notice
of Claim 20 days, Claim Forms, Proof of Loss 90 days, Time Payment Claims prompt, Payment Claims, Physical Exam Autopsy, Legal Actions 3 years after proof loss,
Change of Beneficiary, optional provisions Change of Occupation Misstatement Age Relation Earnings Insurance with Other Insurers same insurer Other Insurance with
Other Insurers Unrelated.
NY 17-52 Exam Domains Compliance Professional Agent Broker
Description: NY Series 17-52 Accident and Health Insurance exam domains NYDFS outline General Insurance 10% insurance law contract, Accident Health Basics 20%
types policies, Disability Income 10% provisions riders, Medical Expense 15% types managed care, Federal Regulations 10% ACA HIPAA COBRA FMLA, NY Laws
Regulations 20% licensing unfair practices, Senior Health Medicare Medicaid Long-Term Care 15%, professional insurance agent and broker candidates duties fiduciary
responsibility, ethics, continuing education, compliance anti-money laundering, market conduct, underwriting factors medical MIB Medical Information Bureau, physical
exam, field underwriting agent responsibility, policy issuance delivery, premium modes, replacement procedures, suitability best interest Regulation Best Interest BI, New
York specific health insurance mandates autism, infertility, mental health parity, newborn, domestic partner, accident health provisions mandatory uniform optional, riders
additional benefits waiver premium accidental death, guaranteed insurability, NYDFS licensing exam testing provider PSI, passing score 70%, Series 17-52 license
authorizes accident health only not life, appointment with insurers, appointment termination, reporting requirements, professional agent broker exam 2026/2027 academic
year verified questions answers, New York State Department of Financial Services regulatory authority, NY Insurance Law sections, compliance ethics 2026/2027 edition.
Page 2 - NY 17-52 A&H Insurance 150Q 2026/2027
,Question 1: Q1: Health insurance basics - types of health insurance policies?
A. Health insurance types Disability income loss of income, Medical expense hospital surgical major medical, Dental vision, types comprehensive
B. Only disability health insurance basics
C. Only medical health insurance basics
D. No types health insurance basics
CORRECT ANSWER: A. Health insurance types Disability income loss of income, Medical expense hospital surgical major medical, Dental
vision, types comprehensive
RATIONALE:
Rationale: Health insurance types Disability income loss of income, Medical expense hospital surgical major medical, Dental vision, types comprehensive. Per NYDFS NY
Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 2: Q2: Disability income - short-term vs long-term disability?
A. No elimination period disability income
B. Short-term same as long-term disability
C. Disability income short-term 13-26 weeks elimination 0-14 days, long-term months years to 65 elimination 30-180 days, benefit period, own occupation
D. No benefit period disability income
CORRECT ANSWER: C. Disability income short-term 13-26 weeks elimination 0-14 days, long-term months years to 65 elimination 30-180 days,
benefit period, own occupation
RATIONALE:
Rationale: Disability income short-term 13-26 weeks elimination 0-14 days, long-term months years to 65 elimination 30-180 days, benefit period, own occupation. Per
NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 3: Q3: Medical expense - basic hospital surgical major medical?
A. Only surgical medical expense
B. Only hospital medical expense
C. No major medical medical expense
D. Medical expense basic hospital room board miscellaneous, surgical surgeon's fees, major medical high limits catastrophic, comprehensive
CORRECT ANSWER: D. Medical expense basic hospital room board miscellaneous, surgical surgeon's fees, major medical high limits
catastrophic, comprehensive
RATIONALE:
Rationale: Medical expense basic hospital room board miscellaneous, surgical surgeon's fees, major medical high limits catastrophic, comprehensive. Per NYDFS NY
Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 4: Q4: HMO PPO - managed care organizations?
A. HMO no gatekeeper managed care
B. Managed care HMO Health Maintenance Organization gatekeeper PCP referral, PPO Preferred Provider Organization no referral in-network
out-network, POS EPO
C. PPO requires referral managed care
D. No managed care organizations
CORRECT ANSWER: B. Managed care HMO Health Maintenance Organization gatekeeper PCP referral, PPO Preferred Provider Organization
no referral in-network out-network, POS EPO
RATIONALE:
Rationale: Managed care HMO Health Maintenance Organization gatekeeper PCP referral, PPO Preferred Provider Organization no referral in-network out-network, POS
EPO. Per NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker
candidate requirements 2026/2027.
Question 5: Q5: Federal regulations - ACA HIPAA COBRA?
A. Federal ACA Affordable Care Act essential benefits marketplace subsidies, HIPAA portability pre-existing privacy, COBRA continuation 18 months 36
months qualifying event
B. No ACA federal regulations
C. No HIPAA federal regulations
D. No COBRA federal regulations
CORRECT ANSWER: A. Federal ACA Affordable Care Act essential benefits marketplace subsidies, HIPAA portability pre-existing privacy,
COBRA continuation 18 months 36 months qualifying event
RATIONALE:
Rationale: Federal ACA Affordable Care Act essential benefits marketplace subsidies, HIPAA portability pre-existing privacy, COBRA continuation 18 months 36 months
qualifying event. Per NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional
agent/broker candidate requirements 2026/2027.
Question 6: Q6: NY laws and regulations - licensing and unfair practices?
A. No unfair practices NY laws
B. No licensing NY laws
C. NY laws Article 21 licensing agent broker, unfair trade practices misrepresentation twisting rebating, NY Regulation 11 187, continuing education
D. No regulations NY laws
CORRECT ANSWER: C. NY laws Article 21 licensing agent broker, unfair trade practices misrepresentation twisting rebating, NY Regulation 11
187, continuing education
RATIONALE:
Page 3 - NY 17-52 A&H Insurance 150Q 2026/2027
, Rationale: NY laws Article 21 licensing agent broker, unfair trade practices misrepresentation twisting rebating, NY Regulation 11 187, continuing education. Per NYDFS
NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 7: Q7: Medicare - Parts A B C D and Medigap?
A. No Medigap Medicare
B. Only Part A Medicare
C. Only Parts A B Medicare
D. Medicare 65+ disabled Parts A hospital B medical C Medicare Advantage D prescription, Medigap 10 standardized plans A-N, enrollment periods
CORRECT ANSWER: D. Medicare 65+ disabled Parts A hospital B medical C Medicare Advantage D prescription, Medigap 10 standardized
plans A-N, enrollment periods
RATIONALE:
Rationale: Medicare 65+ disabled Parts A hospital B medical C Medicare Advantage D prescription, Medigap 10 standardized plans A-N, enrollment periods. Per NYDFS
NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 8: Q8: Medicaid and long-term care - eligibility and benefits?
A. No eligibility Medicaid LTC
B. Medicaid need-based federal state, eligibility income assets, long-term care LTC nursing home home health adult day, NY Partnership
C. Only nursing home Medicaid LTC
D. No benefits Medicaid LTC
CORRECT ANSWER: B. Medicaid need-based federal state, eligibility income assets, long-term care LTC nursing home home health adult day,
NY Partnership
RATIONALE:
Rationale: Medicaid need-based federal state, eligibility income assets, long-term care LTC nursing home home health adult day, NY Partnership. Per NYDFS NY Series
17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate requirements
2026/2027.
Question 9: Q9: Group health - group underwriting and conversion?
A. Group health employer sponsored underwriting group not individual, characteristics 75% participation, conversion privilege group to individual, COBRA
B. No underwriting group health
C. No conversion group health
D. No COBRA group health
CORRECT ANSWER: A. Group health employer sponsored underwriting group not individual, characteristics 75% participation, conversion
privilege group to individual, COBRA
RATIONALE:
Rationale: Group health employer sponsored underwriting group not individual, characteristics 75% participation, conversion privilege group to individual, COBRA. Per
NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance Law, and professional agent/broker candidate
requirements 2026/2027.
Question 10: Q10: Accident and health provisions - mandatory uniform provisions?
A. Only optional provisions A&H;
B. No mandatory provisions A&H;
C. A&H; provisions mandatory 12 uniform provisions Entire Contract Time Limit Grace Notice Claim Proof Claim Time Payment Physical Exam Autopsy
Legal Action Change Beneficiary, optional
D. No uniform provisions A&H;
CORRECT ANSWER: C. A&H; provisions mandatory 12 uniform provisions Entire Contract Time Limit Grace Notice Claim Proof Claim Time
Payment Physical Exam Autopsy Legal Action Change Beneficiary, optional
RATIONALE:
Rationale: A&H; provisions mandatory 12 uniform provisions Entire Contract Time Limit Grace Notice Claim Proof Claim Time Payment Physical Exam Autopsy Legal
Action Change Beneficiary, optional. Per NYDFS NY Series 17-52 Accident and Health Insurance licensing exam outline, including federal regulations, NY Insurance
Law, and professional agent/broker candidate requirements 2026/2027.
Page 4 - NY 17-52 A&H Insurance 150Q 2026/2027
