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Rhode Island Health Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer Business Entity — Accident and Health or Sickness

Voluntary producer business entity license; individuals transacting insurance maintain their own licenses.

Licensing authority: Department of Business Regulation · Application information

Voluntary nonresident business entity licensure
No examination is required for this applicant pathway.
Application
Use the uniform business entity application and pay the appropriate fee.
Entity Status
Business entity seeks a voluntary nonresident producer license with health authority.
Individual Licensing
Individuals selling, soliciting or negotiating insurance retain their own licenses.
Responsible Producer
Designate a producer responsible for compliance; the Board requires an active resident or nonresident Rhode Island license for that producer.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity license renewal
No examination is required for this applicant pathway.
Existing License
Renew an existing voluntary nonresident business entity producer license through NIPR, with the applicable fee.
Individual Licensing
Transacting individuals maintain their licenses and any applicable resident-individual continuing education.
Responsible Producer
Continue a designated producer responsible for compliance, holding an active Rhode Island producer license.

Official no-examination sources

Effective from 2026-09-22.

Voluntary resident business entity licensure
No examination is required for this applicant pathway.
Application
Use the uniform business entity application and pay the appropriate fee.
Entity Status
Business entity seeks a voluntary resident producer license with health authority.
Individual Licensing
Individuals selling, soliciting or negotiating insurance retain their own licenses.
Responsible Producer
Designate a producer responsible for compliance; the Board requires an active resident or nonresident Rhode Island license for that producer.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity license renewal
No examination is required for this applicant pathway.
Existing License
Renew an existing voluntary resident business entity producer license through NIPR, with the applicable fee.
Individual Licensing
Transacting individuals maintain their licenses and any applicable resident-individual continuing education.
Responsible Producer
Continue a designated producer responsible for compliance, holding an active Rhode Island producer license.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Accident and Health or Sickness

Individual resident and nonresident producer licensing with accident and health or sickness authority.

Licensing authority: insurance division of the department of business regulation of the state of rhode island · Application information

Renewal or restoration with a commissioner hardship waiver
No examination is required for this applicant pathway.
Continuing Education
Department approval is needed for an exemption or extension; otherwise applicable continuing education remains.
Discretion
Request a waiver of renewal procedures, any examination requirement, and fines or sanctions; approval is discretionary. No separate named assessment is prescribed for this waiver.
Hardship
Military service or other extenuating circumstances such as long-term medical disability prevent renewal compliance.

Official no-examination sources

Effective from 2026-09-22.

Add health authority to an existing nonresident license
No examination is required for this applicant pathway.
Application
Submit a proper request, the home-jurisdiction application or completed uniform application, and required fees. NAIC producer-database status may be verified.
Existing License
Holds a Rhode Island nonresident producer license and seeks the accident and health or sickness authority already held in the home jurisdiction.
Home License
Currently licensed as a resident for the same line in the home jurisdiction and in good standing.
Licensing Fitness
Subject to § 27-2.4-14 denial grounds.
Reciprocity
Home jurisdiction awards nonresident producer licenses to Rhode Island residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after the reinstatement window
No examination is required for this applicant pathway.
Application
Submit a proper request, the home-jurisdiction application or completed uniform application, and required fees. NAIC producer-database status may be verified.
Expired License
Previous Rhode Island license expired beyond the twelve-month reinstatement entitlement; apply under § 27-2.4-10 on the current reciprocal home license.
Home License
Currently licensed as a resident for the same line in the home jurisdiction and in good standing.
Licensing Fitness
Subject to § 27-2.4-14 denial grounds.
Reciprocity
Home jurisdiction awards nonresident producer licenses to Rhode Island residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a proper request, the home-jurisdiction application or completed uniform application, and required fees. NAIC producer-database status may be verified.
Home License
Currently licensed as a resident for the same line in the home jurisdiction and in good standing.
Licensing Fitness
Subject to § 27-2.4-14 denial grounds.
Reciprocity
Home jurisdiction awards nonresident producer licenses to Rhode Island residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Complete NIPR renewal, provide license number and national producer number, and supply background explanations.
Board Fee Instruction
The Board Instructions for the Reinstatement of a Producer License state: NON-RESIDENT:  The online renewal application must be completed at www.nipr.com  You must have your resident license number and your national producer number (NPN) available  $130.00 renewal fee and $50.00 late fee for a total of $180.00 payable online by credit card at the time of application on www.nipr.com
Continuing Education
Meet reciprocal home-jurisdiction continuing education requirements under § 27-2.4-17(b).
Expired License
Apply within twelve months after the renewal-fee due date. Board instructions describe a reinstatement period from 30 through 365 days after expiration.
Statutory Late Penalty
Section 27-2.4-9(c) requires a penalty of double the unpaid renewal fee for payment after its due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual license renewal
No examination is required for this applicant pathway.
Application
Complete NIPR renewal, pay the applicable fee and upload supporting explanations for yes answers to background questions.
Continuing Education
Meet reciprocal home-jurisdiction continuing education requirements under § 27-2.4-17(b).
Existing License
Renew an existing nonresident producer license with health authority, unless revoked or suspended.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure for previously licensed same line applicants
No examination is required for this applicant pathway.
Application
Submit a truthful, complete uniform application through NIPR and pay the applicable fee. The commissioner may require verification documents.
Background Check
Provide a Rhode Island Attorney General BCI background report valid for 30 days, emailed with the NIPR transaction number.
Errors And Omissions Insurance
Resident holders maintain at least $250,000 per claim and $500,000 annual aggregate; a firm policy covering its producers may qualify. Direct insurance-company employees are excepted; a written exemption may cover a producer not selling, soliciting or negotiating insurance.
Exam Exemption
Eligible applicants are exempt from prelicensing education and examination under § 27-2.4-11(a).
Law Certification
Certify knowledge of Rhode Island law applicable to producers.
Licensing Fitness
No disqualifying act under § 27-2.4-14.
Minimum Age
At least 18 years old.
Residency
Rhode Island resident.
Same Line Prior License
Previously licensed for the same line elsewhere; currently licensed, or application received within 90 days of cancellation with certification or NAIC-database evidence of good standing.

Official no-examination sources

Effective from 2026-09-22.

Add health authority to an existing resident producer license
Rhode Island Accident and Health Producer
Amendment Fee
Board instructions state a $50 fee to add a line of authority through NIPR.
Application
Submit a truthful, complete uniform application through NIPR and pay the applicable fee. The commissioner may require verification documents.
Background Check
Provide a Rhode Island Attorney General BCI background report valid for 30 days, emailed with the NIPR transaction number.
Errors And Omissions Insurance
Resident holders maintain at least $250,000 per claim and $500,000 annual aggregate; a firm policy covering its producers may qualify. Direct insurance-company employees are excepted; a written exemption may cover a producer not selling, soliciting or negotiating insurance.
Existing License
Holds a resident producer license and requests the additional accident and health or sickness line. Pass the examination for that line.
Licensing Fitness
No disqualifying act under § 27-2.4-14.
Minimum Age
At least 18 years old.
Residency
Rhode Island resident.
Convert an existing nonresident license after relocation
No examination is required for this applicant pathway.
Application
Submit a truthful, complete uniform application through NIPR and pay the applicable fee. The commissioner may require verification documents.
Background Check
Provide a Rhode Island Attorney General BCI background report valid for 30 days, emailed with the NIPR transaction number.
Deadline
Apply within 90 days of establishing Rhode Island legal residence.
Errors And Omissions Insurance
Resident holders maintain at least $250,000 per claim and $500,000 annual aggregate; a firm policy covering its producers may qualify. Direct insurance-company employees are excepted; a written exemption may cover a producer not selling, soliciting or negotiating insurance.
Exam Exemption
Previously held lines are exempt under § 27-2.4-11(b), subject to contrary commissioner regulation.
Existing License
Holds a Rhode Island nonresident license and the requested line in the prior home jurisdiction; establishes Rhode Island residence.
Licensing Fitness
No disqualifying act under § 27-2.4-14.
Minimum Age
At least 18 years old.
Residency
Rhode Island resident.

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensure by examination
Rhode Island Accident and Health Producer
Application
Submit a truthful, complete uniform application through NIPR and pay the applicable fee. The commissioner may require verification documents.
Background Check
Provide a Rhode Island Attorney General BCI background report valid for 30 days, emailed with the NIPR transaction number.
Errors And Omissions Insurance
Resident holders maintain at least $250,000 per claim and $500,000 annual aggregate; a firm policy covering its producers may qualify. Direct insurance-company employees are excepted; a written exemption may cover a producer not selling, soliciting or negotiating insurance.
Licensing Fitness
No disqualifying act under § 27-2.4-14.
Minimum Age
At least 18 years old.
Residency
Rhode Island resident.
Resident reapplication after the reinstatement window
Rhode Island Accident and Health Producer
Application
Submit a truthful, complete uniform application through NIPR and pay the applicable fee. The commissioner may require verification documents.
Background Check
Provide a Rhode Island Attorney General BCI background report valid for 30 days, emailed with the NIPR transaction number.
Errors And Omissions Insurance
Resident holders maintain at least $250,000 per claim and $500,000 annual aggregate; a firm policy covering its producers may qualify. Direct insurance-company employees are excepted; a written exemption may cover a producer not selling, soliciting or negotiating insurance.
Expired License
Prior resident license expired more than twelve months ago; § 27-2.4-9(c) no longer supplies reinstatement without examination. Apply under §§ 27-2.4-7 and 27-2.4-8. Those satisfying § 27-2.4-11 use the exemption route.
Licensing Fitness
No disqualifying act under § 27-2.4-14.
Minimum Age
At least 18 years old.
Residency
Rhode Island resident.
Resident individual reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Complete NIPR renewal, provide license number and national producer number, and supply background explanations.
Board Fee Instruction
The Board Instructions for the Reinstatement of a Producer License state: RESIDENT:  The online renewal application must be completed at www.nipr.com  You must have your resident license number and your national producer number (NPN) available  $120.00 renewal fee and $50.00 late fee for a total of $170.00 payable online by credit card at the time of application on www.nipr.com
Continuing Education
Unless exempt, complete 24 approved credits including 3 ethics credits each biennial license period. Exemptions include continuous licensure for 25 years and age 55 at renewal, and exemptions granted by the Department. Maintain proof of compliance.
Expired License
Apply within twelve months after the renewal-fee due date. Board instructions describe a reinstatement period from 30 through 365 days after expiration.
Statutory Late Penalty
Section 27-2.4-9(c) requires a penalty of double the unpaid renewal fee for payment after its due date.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after relocation
No examination is required for this applicant pathway.
Application
Submit a truthful, complete uniform application through NIPR and pay the applicable fee. The commissioner may require verification documents.
Background Check
Provide a Rhode Island Attorney General BCI background report valid for 30 days, emailed with the NIPR transaction number.
Errors And Omissions Insurance
Resident holders maintain at least $250,000 per claim and $500,000 annual aggregate; a firm policy covering its producers may qualify. Direct insurance-company employees are excepted; a written exemption may cover a producer not selling, soliciting or negotiating insurance.
Exam Exemption
Previously held lines need no prelicensing education or examination, except where the commissioner determines otherwise by regulation.
Licensing Fitness
No disqualifying act under § 27-2.4-14.
Minimum Age
At least 18 years old.
Prior License
Licensed in the prior home jurisdiction for the requested line; apply within 90 days after establishing Rhode Island legal residence.
Residency
Rhode Island resident.

Official no-examination sources

Effective from 2026-09-22.

Resident individual license renewal
No examination is required for this applicant pathway.
Application
Complete NIPR renewal, pay the applicable fee and upload supporting explanations for yes answers to background questions.
Continuing Education
Unless exempt, complete 24 approved credits including 3 ethics credits each biennial license period. Exemptions include continuous licensure for 25 years and age 55 at renewal, and exemptions granted by the Department. Maintain proof of compliance.
Existing License
Renew an existing resident producer license with health authority, unless revoked or suspended.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary authority to service an existing insurance business, subject to commissioner limitations.

Licensing authority: insurance commissioner · Application information

Temporary licensure for entity member
No examination is required for this applicant pathway.
Commissioner Determination
Temporary licensing must be deemed necessary for servicing an insurance business.
Eligible Applicant
Member or employee of a licensed producer-operated business entity following that producer’s death or disability.
Maximum Term
No more than 180 days; cannot continue after the owner or representative disposes of the business.
Protective Conditions
Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose other protective requirements or revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for military designee
No examination is required for this applicant pathway.
Commissioner Determination
Temporary licensing must be deemed necessary for servicing an insurance business.
Eligible Applicant
Designee of a licensed producer entering active United States armed-forces service.
Maximum Term
No more than 180 days; cannot continue after the owner or representative disposes of the business.
Protective Conditions
Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose other protective requirements or revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for public interest
No examination is required for this applicant pathway.
Commissioner Determination
Temporary licensing must be deemed necessary for servicing an insurance business.
Eligible Applicant
Other circumstance where the commissioner determines issuance best serves the public interest.
Maximum Term
No more than 180 days; cannot continue after the owner or representative disposes of the business.
Protective Conditions
Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose other protective requirements or revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for surviving spouse
No examination is required for this applicant pathway.
Commissioner Determination
Temporary licensing must be deemed necessary for servicing an insurance business.
Eligible Applicant
Surviving spouse or court-appointed representative of a producer who dies or becomes mentally or physically disabled; service the business pending sale, recovery or training and licensing of new personnel.
Maximum Term
No more than 180 days; cannot continue after the owner or representative disposes of the business.
Protective Conditions
Commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for acts, impose other protective requirements or revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Rhode Island Accident and Health Producer

Provider
Pearson VUE
Format
Computer-based examination, scored as a whole; English or Spanish
Exam questions
General knowledge: 50 scoreable and 5 pretest questions; Rhode Island specific content: 30 scoreable and 5 pretest questions
Passing score
70 on the 0–100 scaled-score scale
Examination outline
  • Accident & Health – General Knowledge / I. TYPES OF POLICIES
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) / 2. Levels of care
    • G. Other policies
    • G. Other policies / 1. Dental
    • G. Other policies / 2. Vision
    • G. Other policies / 3. Cancer
    • G. Other policies / 4. Critical illness or specified disease
    • G. Other policies / 5. Worksite (employer-sponsored)
    • G. Other policies / 6. Hospital indemnity
    • G. Other policies / 7. Short-term medical
    • G. Other policies / 8. Accident
  • Accident & Health – General Knowledge / II. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions / 1. Entire contract
    • A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions / 3. Grace period
    • A. Mandatory and optional provisions / 4. Reinstatement
    • A. Mandatory and optional provisions / 5. Notice of claim
    • A. Mandatory and optional provisions / 6. Claim forms
    • A. Mandatory and optional provisions / 7. Proof of loss
    • A. Mandatory and optional provisions / 8. Time of payment of claims
    • A. Mandatory and optional provisions / 9. Payment of claims
    • A. Mandatory and optional provisions / 10. Physical examination and autopsy
    • A. Mandatory and optional provisions / 11. Legal actions
    • A. Mandatory and optional provisions / 12. Change of beneficiary
    • A. Mandatory and optional provisions / 13. Misstatement of age or gender
    • A. Mandatory and optional provisions / 14. Change of occupation
    • A. Mandatory and optional provisions / 15. Illegal occupation
    • A. Mandatory and optional provisions / 16. Relation of earnings to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders / 1. Impairment/exclusions
    • C. Riders / 2. Guaranteed insurability
    • C. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancelable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • Accident & Health – General Knowledge / III. SOCIAL INSURANCE
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • Accident & Health – General Knowledge / IV. OTHER INSURANCE CONCEPTS
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • K. Subrogation
  • Accident & Health – General Knowledge / V. FIELD UNDERWRITING PROCEDURES
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • Accident & Health – Rhode Island Specific / I. RHODE ISLAND LAWS, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT, AND HEALTH INSURANCE
    • A. Commissioner/Director
    • A. Commissioner/Director / 1. Broad powers
    • A. Commissioner/Director / 2. Examination of records/record retention
    • A. Commissioner/Director / 3. Notice and hearing
    • A. Commissioner/Director / 4. Penalties
    • B. Definitions
    • B. Definitions / 1. Domestic, foreign, and alien companies
    • B. Definitions / 2. Stock and mutual companies
    • B. Definitions / 3. Fraternal benefit societies
    • C. Licensing
    • C. Licensing / 1. Continuing Education
    • C. Licensing / 2. Licensing requirements for a producer
    • C. Licensing / 3. Termination of license
    • C. Licensing / 4. Revocation, suspension or denial
    • C. Licensing / 5. Temporary license and license prohibited
    • C. Licensing / 6. Producer Compensation Disclosure
    • D. Marketing practices
    • D. Marketing practices / 1. Unfair methods and practices
    • D. Marketing practices / 1. Unfair methods and practices / b. Rebating
    • D. Marketing practices / 1. Unfair methods and practices / c. Misrepresentation
    • D. Marketing practices / 1. Unfair methods and practices / d. Defamation
    • D. Marketing practices / 1. Unfair methods and practices / e. Theft
    • D. Marketing practices / 1. Unfair methods and practices / f. Penalties
    • E. Fiduciary responsibilities
    • F. Life and Health Guaranty Association
    • G. Privacy of Consumer Information
  • Accident & Health – Rhode Island Specific / II. RHODE ISLAND LAWS, RULES, AND REGULATIONS PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY
    • A. Mandated benefits
    • A. Mandated benefits / 1. Extended medical benefits
    • A. Mandated benefits / 2. Substance abuse and serious mental illness
    • A. Mandated benefits / 3. Home health care
    • A. Mandated benefits / 4. Newborn children
    • A. Mandated benefits / 5. Pediatric preventive care
    • A. Mandated benefits / 6. Mammograms and pap smears
    • A. Mandated benefits / 7. Newborn Screening
    • A. Mandated benefits / 8. Infertility
    • A. Mandated benefits / 9. Adoptive children
    • A. Mandated benefits / 10. Nurse midwives
    • A. Mandated benefits / 11. Diabetes
    • A. Mandated benefits / 12. Mastectomy
    • A. Mandated benefits / 13. Lyme Disease
    • A. Mandated benefits / 14. Affordable Care Act mandated benefits
    • B. Coordination of benefits
    • C. Health Maintenance Organizations (HMO)
    • D. Legal services insurance
    • E. Advertising
    • F. Stop Loss Insurance
    • G. Long term care insurance
    • H. Medicare supplement insurance
    • I. Small Employer Health Insurance
Examination sources