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Updated: Aug 12, 2026

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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Overview:

Certification Vendor:Maryland Insurance Administration
Exam Name:Maryland Accident and Health or Sickness Producer Examination
Exam Number:Series 20-24
Passing Score:70%
Related Certifications:Life Producer (Series 20-27)
Life and Accident and Health or Sickness Producer Combo (Series 20-30)
Exam Duration:105 minutes
Available Languages:English
Exam Format:Multiple-choice, Computer-based
Real Exam Qty:80 scored + 10 unscored
Certificate Validity Period:2 years (renewable)
Exam Price:$60.00 USD
Recommended Training:MIA Candidate Information Bulletin
Exam Registration:Maryland Insurance Administration
Prometric Registration
Sample Questions:Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Sample Questions
Exam Way:Computer-based testing at Prometric test centers; online proctored option available
Pre Condition:At least 18 years old; resident or non-resident; no disqualifying criminal history; pre-licensing education not required since Oct 2024
Official Syllabus URL:https://www.prometric.com/files/2021-09/2024_accident_and_health_or_sickness_producer_9.21.21.pdf

Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: General Insurance Concepts15%- Policy Provisions
  • 1. Mandatory and optional clauses
    • 2. Exclusions and limitations
      - Fundamental Principles
      • 1. Contract law and policy structure
        • 2. Insurable interest and indemnity
          • 3. Risk and risk management
            Topic 2: Accident and Health Insurance Policies35%- Policy Features
            • 1. Benefit structures and limits
              • 2. Waiting periods and elimination periods
                • 3. Pre-existing conditions and exclusions
                  - Types of Coverage
                  • 1. Medical expense insurance
                    • 2. Accident-only coverage
                      • 3. Disability income insurance
                        • 4. Long-term care insurance
                          Topic 3: Insurance Regulation30%- Licensing
                          • 1. Initial qualifications and examination
                            • 2. General provisions and definitions
                              • 3. License issuance, renewal, and termination
                                - Providers and Markets
                                • 1. Insurers and health service organizations
                                  • 2. HMOs and managed care arrangements
                                    - Regulation of Producers
                                    • 1. Unfair trade practices
                                      • 2. Privacy and confidentiality rules
                                        • 3. Compensation and commissions
                                          Topic 4: Maryland State-Specific Regulations20%- Statutory Requirements
                                          • 1. Mandatory benefits and coverage mandates
                                            • 2. Disclosure and marketing requirements
                                              • 3. Claims handling and settlement rules
                                                - Compliance and Enforcement
                                                • 1. Penalties and violations
                                                  • 2. Reporting and recordkeeping

                                                    Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:

                                                    1. To be deemed a "qualified employer" under the Maryland Health Benefit Exchange Act, anemployer MUST:

                                                    A) Have at least 50% of its employees work in the state of Maryland
                                                    B) Have its principal place of business in the state of Maryland
                                                    C) Contribute to employee premiums
                                                    D) Have at least 50% of its employees reside in the state of Maryland


                                                    2. A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

                                                    A) Medical expense benefits
                                                    B) Dental benefits
                                                    C) Disability income benefits
                                                    D) Vision benefits


                                                    3. If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?

                                                    A) Refer the employer to the Maryland Insurance Administration
                                                    B) Refer the employer to the carrier where a friend works
                                                    C) Refer the employer to a licensed insurance producer
                                                    D) Help the employer sign-up through the SHOP Exchange


                                                    4. The primary purpose of disability income insurance is to:

                                                    A) Provide benefit payments for a period of time when the insured is unable to work
                                                    B) Provide indemnity for loss of life
                                                    C) Pay any physicians' fees resulting from a disabling injury
                                                    D) Pay necessary hospital expenses when the insured is unable to work


                                                    5. Which type of Medicare Supplement information can be used without prior state approval?

                                                    A) Television advertisements approved by the insurer
                                                    B) Radio announcements approved by the insurer
                                                    C) Government publications
                                                    D) Insurance company brochures


                                                    Solutions:

                                                    Question # 1
                                                    Answer: B
                                                    Question # 2
                                                    Answer: C
                                                    Question # 3
                                                    Answer: C
                                                    Question # 4
                                                    Answer: A
                                                    Question # 5
                                                    Answer: C

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