Health insurance is a type of insurance coverage that provides financial protection to individuals or groups for medical expenses incurred due to illness, injury, or other healthcare needs. It is designed to help individuals manage the high costs associated with medical care.

Health insurance policies typically cover a range of medical services, including doctor visits, hospitalization, emergency care, prescription medications, preventive services, and some specialty treatments. The specific coverage will depend on the type of policy and the insurance provider. Health insurance requires individuals to pay regular premiums, which are typically monthly or annual payments. Premiums can vary depending on factors such as age, location, plan type, and the level of coverage selected.

Article outline

• Part 1: 30 health insurance quiz questions & answers
• Part 2: Download health insurance questions & answers for free
• Part 3: Free online quiz creator – OnlineExamMaker

Part 1: 30 health insurance quiz questions & answers

1. What is the primary purpose of health insurance?
a) Provide financial protection for retirement
b) Cover the costs of dental treatments
c) Protect against medical expenses
d) Pay for cosmetic surgeries
Answer: c) Protect against medical expenses

2. Which of the following is not a typical component of health insurance?
a) Premium
b) Deductible
c) Copayment
d) Retirement savings
Answer: d) Retirement savings

3. What is a premium in health insurance?
a) The amount paid out-of-pocket for medical services
b) The cost of the insurance policy
c) The maximum amount the insurer will pay for medical expenses
d) The amount of money returned by the insurance company
Answer: b) The cost of the insurance policy

4. What is a deductible in health insurance?
a) The maximum amount the insurer will pay for medical expenses
b) The portion of medical expenses paid by the insured before the insurance coverage begins
c) The percentage of medical expenses paid by the insurer
d) The amount paid for prescription medications
Answer: b) The portion of medical expenses paid by the insured before the insurance coverage begins

5. What is a copayment in health insurance?
a) The amount paid by the insured for each doctor’s visit or medical service
b) The percentage of medical expenses paid by the insured
c) The cost of health insurance premiums
d) The maximum amount the insurer will pay for medical expenses
Answer: a) The amount paid by the insured for each doctor’s visit or medical service

6. What is an in-network provider in health insurance?
a) A doctor or hospital that does not accept health insurance
b) A provider that is covered by the insurance plan at a lower cost to the insured
c) A provider that is not covered by the insurance plan
d) A provider that only accepts cash payments
Answer: b) A provider that is covered by the insurance plan at a lower cost to the insured

7. What is an out-of-network provider in health insurance?
a) A provider that is not covered by the insurance plan
b) A provider that accepts only cash payments
c) A provider that is covered by the insurance plan at a lower cost to the insured
d) A provider that is not licensed to practice medicine
Answer: a) A provider that is not covered by the insurance plan

8. What is a preauthorization in health insurance?
a) The process of selecting a primary care physician
b) The process of getting approval from the insurance company for certain medical services
c) The process of canceling a health insurance policy
d) The process of making a copayment for a medical service
Answer: b) The process of getting approval from the insurance company for certain medical services

9. What is a health insurance network?
a) A group of people who are insured by the same company
b) A list of doctors and hospitals that are covered by an insurance plan
c) A type of insurance plan that covers only specific diseases or conditions
d) The total amount of money paid by the insured for medical expenses
Answer: b) A list of doctors and hospitals that are covered by an insurance plan

10. What is a Health Maintenance Organization (HMO)?
a) A type of health insurance plan that allows individuals to choose any healthcare provider
b) A type of health insurance plan that requires a referral from a primary care physician to see a specialist
c) A type of health insurance plan that covers only emergency medical services
d) A type of health insurance plan that covers preventive care services only
Answer: b) A type of health insurance plan that requires a referral from a primary care physician to see a specialist

11. What is a Preferred Provider Organization (PPO)?
a) A type of health insurance plan that requires individuals to choose a primary care physician
b) A type of health insurance plan that covers only emergency medical services
c) A type of health insurance plan that offers a network of preferred healthcare providers
d) A type of health insurance plan that covers only prescription medications
Answer: c) A type of health insurance plan that offers a network of preferred healthcare providers

12. What is a High Deductible Health Plan (HDHP)?
a) A type of health insurance plan with lower premiums and higher deductibles
b) A type of health insurance plan that covers only dental and vision care
c) A type of health insurance plan that requires individuals to choose a primary care physician
d) A type of health insurance plan that offers coverage for long-term care services
Answer: a) A type of health insurance plan with lower premiums and higher deductibles

13. What is a Health Savings Account (HSA)?
a) An account used to save money for retirement healthcare expenses
b) An account used to save money for general healthcare expenses
c) An account used to save money for emergency medical expenses
d) An account used to save money for cosmetic surgeries
Answer: b) An account used to save money for general healthcare expenses

14. What is a copayment in health insurance?
a) The percentage of medical expenses paid by the insured
b) The maximum amount the insurer will pay for medical expenses
c) The cost of health insurance premiums
d) The amount paid by the insured for each doctor’s visit or medical service
Answer: d) The amount paid by the insured for each doctor’s visit or medical service

15. What is a lifetime maximum benefit in health insurance?
a) The maximum amount the insurer will pay for medical expenses in a policyholder’s lifetime
b) The maximum amount the insured must pay out-of-pocket in a policyholder’s lifetime
c) The maximum number of doctor visits allowed in a policyholder’s lifetime
d) The maximum number of years a health insurance policy is valid
Answer: a) The maximum amount the insurer will pay for medical expenses in a policyholder’s lifetime

Part 2: Download health insurance questions & answers for free

16. What is a preexisting condition in health insurance?
a) A medical condition that is covered by health insurance
b) A medical condition that existed before the start of a health insurance policy
c) A medical condition that can be cured by surgery
d) A medical condition that requires long-term care
Answer: b) A medical condition that existed before the start of a health insurance policy

17. What is a grace period in health insurance?
a) The time during which a health insurance policy is valid
b) The period after the due date of a premium payment during which coverage continues
c) The time allowed for an insured individual to file a claim
d) The period during which an individual can enroll in a health insurance plan
Answer: b) The period after the due date of a premium payment during which coverage continues

18. What is a premium subsidy in health insurance?
a) Financial assistance provided by the government to help individuals pay for health insurance premiums
b) The cost of health insurance premiums
c) The

maximum amount the insurer will pay for medical expenses
d) The portion of medical expenses paid by the insured before the insurance coverage begins
Answer: a) Financial assistance provided by the government to help individuals pay for health insurance premiums

19. What is a formulary in health insurance?
a) The list of covered medical services and treatments in a health insurance plan
b) The list of preferred healthcare providers in a health insurance network
c) The list of prescription medications covered by a health insurance plan
d) The list of medical conditions excluded from coverage in a health insurance policy
Answer: c) The list of prescription medications covered by a health insurance plan

20. What is a dependent in health insurance?
a) An insurance provider that is not covered by the policyholder’s plan
b) An individual covered by a health insurance policy, such as a spouse or child
c) An individual who does not have health insurance coverage
d) An individual who is not eligible for health insurance coverage
Answer: b) An individual covered by a health insurance policy, such as a spouse or child

21. What is a preauthorization in health insurance?
a) The process of selecting a primary care physician
b) The process of getting approval from the insurance company for certain medical services
c) The process of canceling a health insurance policy
d) The process of making a copayment for a medical service
Answer: b) The process of getting approval from the insurance company for certain medical services

22. What is the purpose of a Health Maintenance Organization (HMO)?
a) To provide comprehensive medical coverage with a focus on preventive care
b) To offer a wide range of healthcare providers and greater flexibility in choosing doctors
c) To provide coverage only for emergency medical services
d) To offer coverage for specialized medical treatments and procedures
Answer: a) To provide comprehensive medical coverage with a focus on preventive care

23. What is the purpose of a Preferred Provider Organization (PPO)?
a) To provide comprehensive medical coverage with a focus on preventive care
b) To offer a wide range of healthcare providers and greater flexibility in choosing doctors
c) To provide coverage only for emergency medical services
d) To offer coverage for specialized medical treatments and procedures
Answer: b) To offer a wide range of healthcare providers and greater flexibility in choosing doctors

24. What is the purpose of a High Deductible Health Plan (HDHP)?
a) To provide comprehensive medical coverage with a focus on preventive care
b) To offer a wide range of healthcare providers and greater flexibility in choosing doctors
c) To provide coverage only for emergency medical services
d) To offer lower premiums and higher deductibles
Answer: d) To offer lower premiums and higher deductibles

25. What is the purpose of a Health Savings Account (HSA)?
a) To provide comprehensive medical coverage with a focus on preventive care
b) To offer a wide range of healthcare providers and greater flexibility in choosing doctors
c) To provide coverage only for emergency medical services
d) To help individuals save money for healthcare expenses
Answer: d) To help individuals save money for healthcare expenses

26. What is the purpose of a copayment in health insurance?
a) To cover the full cost of medical services
b) To discourage individuals from seeking medical care
c) To share the cost of medical services between the insured and the insurer
d) To limit the number of doctor visits allowed
Answer: c) To share the cost of medical services between the insured and the insurer

27. What is the purpose of a lifetime maximum benefit in health insurance?
a) To limit the total amount the insurer will pay for medical expenses over a policyholder’s lifetime
b) To encourage individuals to use their health insurance benefits more efficiently
c) To cover all medical expenses for a policyholder’s lifetime
d) To provide unlimited coverage for catastrophic medical events
Answer: a) To limit the total amount the insurer will pay for medical expenses over a policyholder’s lifetime

28. What is the purpose of a preexisting condition exclusion in health insurance?
a) To provide coverage for all medical conditions, regardless of when they were diagnosed
b) To limit coverage for medical conditions that existed before the start of a health insurance policy
c) To encourage individuals to disclose their medical history accurately
d) To prevent individuals from obtaining health insurance coverage
Answer: b) To limit coverage for medical conditions that existed before the start of a health insurance policy

29. What is the purpose of a grace period in health insurance?
a) To extend the coverage period of a health insurance policy
b) To allow individuals to continue their health insurance coverage after a missed premium payment
c) To provide additional time for an insured individual to file a claim
d) To encourage individuals to switch health insurance providers
Answer: b) To allow individuals to continue their health insurance coverage after a missed premium payment

30. What is the purpose of a premium subsidy in health insurance?
a) To increase the cost of health insurance premiums for low-income individuals
b) To provide financial assistance to help individuals pay for health insurance premiums
c) To limit the availability of health insurance coverage
d) To encourage individuals to obtain health insurance coverage
Answer: b) To provide financial assistance to help individuals pay for health insurance premiums

Part 3: Free online quiz creator – OnlineExamMaker

OnlineExamMaker is cloud-baed and mobile friendly, the created exams can be access on various devices, including desktop computers, laptops, smartphones, and tablets, allowing you to test your connection speed anytime, anywhere. You can personalize your quizzes by adding your branding elements such as logos, colors, and custom backgrounds. You can also set time limits, randomize question order, and customize feedback messages based on learners’ responses.