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Florida Health Insurance Law: Practice Questions

20 free practice questions with explanations. Pick an answer for each, then check your score.

Exam weight: About 10% of the exam (health insurance) on the Florida-law portion of the Florida 2-15 Life, Health and Annuities exam. Updated 2026-11-04.

Quick study guide

Florida health-law questions mostly test numbers in the Florida Statutes (F.S.): notice periods, time limits, group sizes. Learn which rule belongs to which coverage.

Required coverages and notices

A family health policy must cover a newborn from the moment of birth, including congenital defects (F.S. 627.641). It may require notice of the birth within at least 30 days; late notice lets the insurer charge premium back to the birth, never deny the child. A newborn of a covered family member other than the spouse, such as a grandchild, is covered for 18 months. Group policies covering children must offer to keep an unmarried child with no dependents, living in Florida or studying, and otherwise uninsured, until the end of the year the child turns 30 (F.S. 627.6562). An individual health insurer must give 45 days' written notice to cancel, nonrenew or raise rates, or 10 days for nonpayment (F.S. 627.6043).

Group continuation and conversion

Federal COBRA reaches employers with 20 or more employees. Florida's mini-COBRA (F.S. 627.6692) covers small employers with fewer than 20: at least 18 months of continuation (29 months for someone disabled), at up to 115% of the group premium. The beneficiary notifies the carrier within 63 days, gets an election form within 14 days, and elects and pays within 30 days. Under conversion (F.S. 627.6675), someone insured for at least 3 months can buy an individual converted policy without evidence of insurability by applying within 63 days.

Florida rule	Number
Medicare supplement free look	30 days
Medicare supplement preexisting-condition exclusion	No longer than 6 months, 6-month look-back
Medicare supplement suspension while on Medicaid	Up to 24 months
Long-term care elimination period	No more than 180 days
Long-term care lapse notice	At least 30 days before cancellation, to insured and secondary addressee
Long-term care reinstatement after unintentional lapse	At least 5 months
HMO grace period	At least 10 days
Discount plan full refund	Cancel within 30 days

Medicare supplement and long-term care

Florida extends Medicare supplement open enrollment to people under 65 who have Medicare because of disability or end-stage renal disease (F.S. 627.6741). A long-term care policy cannot be cancelled because of age or failing health, and the policyholder may name a secondary addressee to receive lapse notices.

Other plans and rules

A small employer has 1 to 50 employees (F.S. 627.6699). Florida Healthy Kids coverage is secondary to any private coverage. An insurer may ask whether an applicant has tested positive for HIV, but not whether the applicant was ever tested. HMOs are licensed under F.S. chapter 641; discount plan organizations under chapter 636 must disclose that the plan is not insurance.

Practice questions

A Florida family health policy requires the insured to report a birth within 31 days. The insured reports a new baby on day 50. Under Florida law, the insurer:
1. A.Must cover the baby with no additional premium for the first year
2. B.May start the baby's coverage only on the date the notice was received
3. C.May deny coverage for the baby because notice was late
4. D.May charge additional premium back to the date of birth but may not deny coverage for the baby
Show answer
Answer: D. F.S. 627.641 requires family coverage to apply to a newborn from the moment of birth. A policy may require notice within a period of at least 30 days; if notice is late, the insurer may charge additional premium from the date of birth, but it may not deny coverage for the child because of the late notice. Coverage starting only at the notice date would break the moment-of-birth rule.
Source: Florida content outline III.A.2; Fla. Stat. § 627.641
An insured's family health policy covers her 19-year-old daughter, who gives birth. Under Florida's newborn coverage law, the daughter's baby is covered under the policy:
1. A.From birth until 18 months after the birth
2. B.Only after a 31-day waiting period
3. C.From birth until the end of the year the baby turns 26
4. D.Not at all, because only the insured's own children qualify
Show answer
Answer: A. F.S. 627.641 extends newborn coverage to a newborn of a covered family member, not just the insured's own child. When the parent is a covered family member other than the insured's spouse, the newborn's coverage ends 18 months after the birth. There is no waiting period: newborn coverage starts at birth.
Source: Florida content outline III.A.2; Fla. Stat. § 627.641
A Florida group health policy covers dependent children. Under F.S. 627.6562, the policy must offer the option to cover a child until the end of the calendar year in which the child turns 30 if the child:
1. A.Lives with the parent and earns less than a set income limit
2. B.Is a full-time student, whether or not married
3. C.Is disabled and chiefly dependent on the parent for support
4. D.Is unmarried with no dependents, lives in Florida or is a student, and has no other health coverage or Medicare
Show answer
Answer: D. F.S. 627.6562(2) requires the age-30 option for a child who is unmarried and has no dependent of his or her own, is a Florida resident or a full-time or part-time student, and has no other group or individual coverage and no Medicare. There is no income test, and marriage disqualifies the child. A disabled, dependent child is protected by a different rule (F.S. 627.6041) with no age cap.
Source: Florida content outline III.A.2; Fla. Stat. § 627.6562
An insurer intends to raise premiums on an individual health insurance policy in Florida. How much advance written notice must it give the policyholder?
1. A.At least 10 days
2. B.At least 30 days
3. C.At least 90 days
4. D.At least 45 days
Show answer
Answer: D. F.S. 627.6043 requires at least 45 days' advance written notice of cancellation, nonrenewal or a change in rates on an individual health policy, mailed to the policyholder's last known address. The 10-day figure applies only to cancellation for nonpayment of premium, and that notice must state the reason.
Source: Florida content outline III.C.2; Fla. Stat. § 627.6043
Florida's Health Insurance Coverage Continuation Act (the state's mini-COBRA) applies to group health plans of employers with:
1. A.Fewer than 20 employees, and requires continuation for at least 18 months
2. B.Fewer than 20 employees, and requires continuation for at least 36 months
3. C.Fewer than 50 employees, and requires continuation for at least 12 months
4. D.20 or more employees, and requires continuation for at least 18 months
Show answer
Answer: A. F.S. 627.6692 fills the gap left by federal COBRA, which applies to employers with 20 or more employees. It covers small employers with fewer than 20 employees and requires continuation for at least 18 months, extendable to 29 months for a beneficiary the Social Security Administration finds was disabled at the qualifying event. The premium may not exceed 115% of the group rate (up to 150% during the disability extension).
Source: Florida content outline III.B.2; Fla. Stat. § 627.6692
An employee of a 12-person Florida company has her hours cut and loses group health coverage. To start continuation under Florida's mini-COBRA, she must first:
1. A.Give written notice of the qualifying event to the insurance carrier within 63 days
2. B.Prove insurability to the carrier within 31 days
3. C.File a request with the Department of Financial Services within 60 days
4. D.Ask her employer, who must mail her an election form within 44 days
Show answer
Answer: A. Under F.S. 627.6692(5)(d), the qualified beneficiary must give the insurance carrier written notice within 63 days after the qualifying event. The carrier then has 14 days to send an election and premium notice by certified mail, and the beneficiary has 30 days after receiving it to elect in writing and pay the first premium. No evidence of insurability is needed, and the employer-driven notice process belongs to federal COBRA, not the Florida law.
Source: Florida content outline III.B.2; Fla. Stat. § 627.6692
Under Florida law, an employee whose group major medical coverage ends can obtain a converted policy without evidence of insurability if he was insured under the group for at least:
1. A.3 months, and applies within 31 days after termination
2. B.3 months, and applies and pays the first premium within 63 days after termination
3. C.12 months, and applies within 63 days after termination
4. D.6 months, and applies within 31 days after termination
Show answer
Answer: B. F.S. 627.6675 gives a conversion right to an employee or member continuously insured for at least 3 months before termination. The written application and first premium are due no later than 63 days after termination, and the premium may not exceed 200% of the standard risk rate. Conversion is not available if coverage ended because the person failed to pay a required contribution, or if the group coverage was replaced by similar group coverage within 31 days.
Source: Florida content outline III.B.3; Fla. Stat. § 627.6675
A Florida resident has group major medical coverage at work and also owns a cancer (specified disease) policy. Under Florida's coordination-of-benefits law, the group plan:
1. A.May not coordinate benefits against the cancer policy
2. B.May reduce its payment by whatever the cancer policy pays
3. C.Becomes void because of the duplicate coverage
4. D.Pays only after the cancer policy has paid
Show answer
Answer: A. F.S. 627.4235(5) says coordination of benefits is not permitted against an indemnity-type policy, an excess policy, a policy limited to specified illnesses or accidents, or a Medicare supplement policy. A cancer or other dread disease policy pays its own fixed benefits, and the group plan cannot cut its benefits because that policy exists. The statute's primary and secondary ordering rules apply between plans that both contain coordination provisions.
Source: Florida content outline III.B.4; Fla. Stat. § 627.4235
Twenty days after receiving her new Medicare supplement policy, a Florida applicant decides she does not want it. Under Florida law, she:
1. A.May return it only if she has not filed a claim
2. B.May return it for a full refund of premium paid, because the free look is 30 days
3. C.Cannot return it, because the free look is 10 days
4. D.May return it, but the insurer keeps a short-rate charge
Show answer
Answer: B. F.S. 627.674(4)(d) requires a Medicare supplement policy to contain a prominently displayed no-loss cancellation clause letting the applicant return it within 30 days after receiving it, with all premium refunded directly to the person who paid. A refund is full, not reduced by a short-rate charge, and the law attaches no claim condition.
Source: Florida content outline III.D.1.b; Fla. Stat. § 627.674
A 58-year-old Florida resident qualifies for Medicare because of a disability and enrolls in Part B. Under Florida law, Medicare supplement insurers must:
1. A.Decline to sell her Medicare supplement coverage because she is under 65
2. B.Accept her only if she passes medical underwriting
3. C.Offer her coverage without regard to health status if she applies during the 6-month period that begins when she is enrolled in Part B
4. D.Wait until she turns 65 before offering open enrollment
Show answer
Answer: C. F.S. 627.6741(1) requires Medicare supplement insurers to offer enrollment, without conditioning issue or price on health status, to Florida residents 65 or older and to those under 65 who are eligible for Medicare because of disability or end-stage renal disease, during the 6-month period beginning when they are enrolled in Part B. A similar 2-month window follows the loss of group health coverage. Florida does not make under-65 Medicare beneficiaries wait until 65.
Source: Florida content outline III.D.2.b; Fla. Stat. § 627.6741
A Florida Medicare supplement policy that is not replacing other coverage may exclude a preexisting condition for no longer than ___, and may define a preexisting condition no more narrowly than one treated or advised within ___ before coverage begins.
1. A.12 months; 12 months
2. B.6 months; 6 months
3. C.24 months; 6 months
4. D.6 months; 24 months
Show answer
Answer: B. F.S. 627.6741(2)(b) limits the preexisting-condition exclusion to 6 months and the look-back to conditions for which a physician gave advice or recommended or provided treatment within 6 months before the effective date. A replacing policy must credit time already served under the old coverage, and an open-enrollment applicant with at least 6 months of prior creditable coverage cannot be given a preexisting-condition exclusion at all.
Source: Florida content outline III.D.1.a; Fla. Stat. § 627.6741
A Florida Medicare supplement policyholder is found entitled to Medicaid. If she asks, the insurer must suspend the policy's benefits and premiums for up to:
1. A.12 months
2. B.36 months
3. C.24 months
4. D.6 months
Show answer
Answer: C. F.S. 627.6744(4) requires the insurer, on request, to suspend benefits and premiums while the policyholder is entitled to Medicaid, for no more than 24 months. If she loses Medicaid entitlement and notifies the insurer within 90 days, the policy is automatically reinstated as of the date Medicaid ended.
Source: Florida content outline III.D.10; Fla. Stat. § 627.6744
Under the Florida Long-Term Care Insurance Act, a long-term care policy may NOT:
1. A.Pay benefits for home health care
2. B.Allow the policyholder a 30-day free look
3. C.Contain an elimination period of more than 180 days
4. D.Offer an inflation protection option
Show answer
Answer: C. F.S. 627.9407(3) bars an elimination period over 180 days and also bars cancelling a policy because of age or declining health and limiting coverage to nursing home care only. Inflation protection must be offered (F.S. 627.94072), home health care benefits are allowed with minimum standards, and a 30-day free look is required, not forbidden.
Source: Florida content outline III.E.4; Fla. Stat. § 627.9407
A Florida long-term care policyholder has named her son as secondary addressee. She misses a premium. Before the insurer may cancel the policy for nonpayment, it must:
1. A.Get the son's written agreement to pay future premiums
2. B.After the grace period, mail a notice of possible lapse to her and her son at least 30 days before cancellation
3. C.Wait 180 days after the premium due date
4. D.Mail a notice to her alone at least 10 days before cancellation
Show answer
Answer: B. F.S. 627.94073(2) allows cancellation for nonpayment only after the grace period (at least 30 days) and only if the insurer mailed a notice of possible lapse to the policyholder and any secondary addressee at least 30 days before cancellation takes effect. Naming a secondary addressee does not make that person liable for the premium. The insurer must remind the policyholder at least once a year of the right to name one.
Source: Florida content outline III.E.9.a; Fla. Stat. § 627.94073
A Florida long-term care policy lapsed because the insured, who has Alzheimer's disease, forgot to pay. Florida law requires the policy to allow reinstatement if, within at least how long after cancellation, it is shown that the lapse was unintentional and caused by cognitive impairment?
1. A.31 days
2. B.90 days
3. C.2 years
4. D.5 months
Show answer
Answer: D. F.S. 627.94073(3) requires reinstatement if, within a period of not less than 5 months after cancellation, the policyholder or secondary addressee shows that the missed premium was unintentional and due to cognitive impairment, loss of functional capacity, or continuous confinement in a hospital, skilled nursing facility or assisted living facility for more than 60 days. Overdue premiums must be paid to reinstate.
Source: Florida content outline III.E.9.b; Fla. Stat. § 627.94073
Under Florida's Employee Health Care Access Act, which business is a small employer?
1. A.An out-of-state firm that averaged 120 employees, a few of them in Florida
2. B.A Florida-based firm that averaged 35 employees during the preceding calendar year
3. C.A Florida-based firm that averaged 75 employees during the preceding calendar year
4. D.A Florida-based firm that averaged 55 employees during the preceding calendar year
Show answer
Answer: B. F.S. 627.6699(3) defines a small employer as one with its principal place of business in Florida that employed an average of at least 1 but not more than 50 employees during the preceding calendar year and has at least 1 employee on the first day of the plan year. Firms averaging 55, 75 or 120 employees exceed the limit. For the act, an eligible employee normally works 25 or more hours a week, and small employer carriers must issue plans on a guaranteed-issue basis.
Source: Florida content outline III.F.1; Fla. Stat. § 627.6699
A child enrolled through the Florida Healthy Kids Corporation also has coverage under a parent's employer plan. Under F.S. 624.91, Healthy Kids coverage:
1. A.Is primary, and the employer plan pays only what Healthy Kids does not
2. B.Must be cancelled, because a child may not have both
3. C.Pays the same benefits again regardless of the employer plan
4. D.Is secondary, and the insurers contracted with Healthy Kids are payors of last resort
Show answer
Answer: D. F.S. 624.91(5)(c) makes coverage under the corporation's program secondary to any other private coverage, and its contracted insurers are payors of last resort who must coordinate with any other liable third-party payor. The Florida Healthy Kids Corporation is a not-for-profit corporation and one of the providers serving children eligible under Title XXI of the Social Security Act, through the Florida Kidcare program.
Source: Florida content outline III.G; Fla. Stat. § 624.91
During underwriting, which question may a Florida insurer ask an applicant about HIV?
1. A.What his sexual orientation is, to decide whether to test him
2. B.Whether he has ever taken an HIV test
3. C.Whether his last HIV test result was negative
4. D.Whether he has ever tested positive for HIV or been diagnosed with AIDS
Show answer
Answer: D. F.S. 627.429(4)(e) lets an insurer ask whether a person has tested positive for HIV or been diagnosed with AIDS, but not whether the person has been tested or received a negative result. Sexual orientation may not be used in underwriting or in deciding whom to test. Before any HIV test, the insurer must disclose its intent and obtain the person's written informed consent.
Source: Florida content outline III.H; Fla. Stat. § 627.429
Every Florida HMO contract, certificate and member handbook must include a grace period of at least:
1. A.10 days
2. B.31 days
3. C.45 days
4. D.7 days
Show answer
Answer: A. F.S. 641.31(15) requires HMO contracts to state a grace period of not less than 10 days, during which the contract stays in force. The 7- and 31-day figures come from the individual health insurance grace period in F.S. 627.608 (7 days for weekly premiums, 10 for monthly, 31 for others). The 45-day figure is the HMO's written notice for cancellation or nonrenewal other than for nonpayment or loss of eligibility (F.S. 641.3108).
Source: Florida content outline III.I.1; Fla. Stat. § 641.31; Fla. Stat. § 641.3108
A Florida consumer joins a discount medical plan and cancels 20 days after enrolling. Under Florida law, the discount plan organization must:
1. A.Keep the first month's charge as a cancellation fee
2. B.Refund charges only if she used no discounts
3. C.Refund nothing, because a discount plan is not insurance
4. D.Refund all periodic charges once she returns the discount card
Show answer
Answer: D. F.S. 636.208(2)(a) entitles a member who cancels within the first 30 days to a refund of all periodic charges on return of the discount card; after 30 days, the refund is pro rata. Discount plan organizations must also tell prospective members that the plan is not insurance and does not pay providers (F.S. 636.212), but that does not excuse the refund.
Source: Florida content outline III.I.6; Fla. Stat. § 636.208; Fla. Stat. § 636.212

Where these questions come from: Florida content outline (Pearson VUE, effective 1 Jan 2026), Florida Agent's Health & Life (2-15), Florida statutes, rules and regulations, section III: Florida statutes, rules, and regulations pertinent to health insurance. See how we write questions.