How to Get an Ohio Accident & Health Insurance License
An Accident & Health license lets you sell health insurance, disability income and related coverage in Ohio. You get it in five steps: finish 20 hours of approved pre-licensing, pass the state exam, get fingerprinted, apply, and wait for the Ohio Department of Insurance to issue the license.
This guide covers each step, what it costs, and where applicants lose time.
Checked in November 2026 against PSI's Ohio candidate bulletin (revised March 24, 2026) and Ohio Department of Insurance pages.
The five steps in short
- Finish your pre-licensing. Take 20 hours (40 hours if you add Life) from an Ohio approved provider and pass the final course exam.
- Pass the state exam. Register with PSI, pay $49 and test in person.
- Get fingerprinted. Do it after you pass. It is a background check.
- Apply for your license. Apply online and pay $10 for each line of authority.
- Get licensed. The Ohio Department of Insurance issues the license once your application and background check are complete.
What the Accident & Health exam covers
- Accident and health insurance basics and policies
- Disability income insurance
- Medical plans, group coverage and dental coverage
- Medicare, Medicare Advantage, Part D, Medicare supplements and long-term care
- Federal taxation of accident and health insurance
- Ohio insurance regulation
PSI publishes the full outline, with the weight of each topic, in its Ohio candidate bulletin.
The Ohio exam
PSI runs Ohio's insurance exams. Here is the exam for Accident & Health.
| Exam | Series | Questions | Time |
|---|---|---|---|
| Accident & Health only | Series 11-45 | 100 | 2 hours |
| Life and Accident & Health together | Series 11-35 | 150 | 2.5 hours |
The passing score is 70%. Each exam also includes 1 to 10 unscored questions that use exam time but do not count. For Series 11-35, you present both completion certificates on test day: Life and Accident & Health.
What it costs to get licensed
| Accident & Health only | Life + Accident & Health | |
|---|---|---|
| Pass Point courseOther Ohio approved providers charge $110 to $389 a course. | $69.99 | $99.99 |
| State exam, paid to PSINot refundable or transferable. Valid for one year from payment. | $49.00 | $49.00 |
| Fingerprints and background checkPaid at a PSI test center. | $72.25 | $72.25 |
| Ohio license application$10 for each line of authority. | $10.00 | $20.00 |
| Total | $201.24 | $241.24 |
The National Insurance Producer Registry adds a small transaction fee to online applications. Fees are set by PSI and the Ohio Department of Insurance and can change, so confirm them before you pay.
The full walkthrough
Step 1. Finish 20 hours (40 hours if you add Life) of pre-licensing
Pick a provider from the Ohio Department of Insurance's approved provider list. Only certificates from approved providers count. Check the provider number before you pay. Pass Point Learning is provider #12420.
Work through every module, then pass the final course exam with 70% or better. Before the exam you sign a short affidavit confirming you did the work without assistance. Your Ohio completion certificate is issued within 3 days of passing.
The certificate is valid for 180 calendar days. Book your state exam inside that window.
Step 2. Register for the state exam and pass it
Register with PSI at test-takers.psiexams.com/ohins. Enter your legal first and last name exactly as it appears on your identification. PSI will not let you test if the names do not match.
Pay the $49 exam fee. It is not refundable or transferable, and it is valid for one year from the date you pay.
Ohio exams are taken in person at a PSI test center. PSI stopped offering remote exams for Ohio insurance on March 13, 2026.
Your exam-day checklist
- Your Accident & Health completion certificate (and your Life certificate if you take Series 11-35). Each must be complete, signed by you and by the provider, and unaltered. PSI requires a paper copy.
- One valid, unexpired photo identification that carries your signature, such as a driver's license, state identification card, U.S. passport or U.S. military identification. An interim state identification needs a second form of identification.
- A registration name that matches your identification exactly.
- Time to arrive early for check-in. Personal items go in PSI's secure storage or back in your vehicle.
Step 3. After you pass, get fingerprinted
You do not need fingerprints before the exam. After you pass, get fingerprinted for the Ohio Bureau of Criminal Investigation and Federal Bureau of Investigation background check. A PSI test center takes your fingerprints for $72.25.
Results are usually processed within two business days. In some cases they take 4 to 6 weeks. Results are valid for one year. The Ohio Department of Insurance cannot finish your application until it has them.
Step 4. Apply for your license
Apply right after you pass. You can apply online at insurance.ohio.gov or through the National Insurance Producer Registry at nipr.com. The fee is $10 for each line of authority, plus the registry's transaction fee.
Mistakes that delay your license
- Letting the certificate expire. It is good for 180 days. Book your exam date as soon as you have it.
- A name mismatch. Your PSI registration, your identification and your application should all use your legal name.
- Missing a certificate. If your exam covers two lines, bring both certificates.
- Waiting on fingerprints. Your application stalls until the background check results reach the Ohio Department of Insurance.
- Letting the exam fee lapse. The $49 fee is valid for one year from payment.
You may be able to skip the course
A bachelor's or associate degree in insurance, or certain professional designations, can waive the pre-licensing requirement. File the Ohio Department of Insurance's pre-licensing education waiver request with proof. A waiver is valid for 180 days, like a certificate.
After you are licensed
To sell for a carrier, the carrier appoints you. Ohio licenses renew every two years, and renewal requires continuing education.
Extra training applies before you sell long-term care products. Check the Ohio Department of Insurance's current training rules, or ask your carrier which course it accepts.
Get the full guide, free
- Step-by-step: exam registration, fingerprints and your application
- Your exam-day checklist
- The mistakes that delay your license
Frequently asked questions
Can I take the Accident & Health exam by itself?
Yes. Series 11-45 covers Accident & Health alone: 100 questions in 2 hours. To test Life and Accident & Health together, take Series 11-35 with both completion certificates.
Does the exam cover Medicare?
Yes. PSI's Ohio outline for the Life and Accident & Health content includes Medicare, Medicare Advantage, Part D, Medicare supplements and long-term care.
How long is my pre-licensing certificate valid?
180 calendar days from the date it is issued. Book your state exam inside that window.
Can I take the Ohio insurance exam online from home?
No. Since March 13, 2026, PSI no longer offers remote exams for Ohio insurance. You take the exam in person at a PSI test center.
More Ohio license guides
Sources: PSI Ohio insurance exam page and candidate bulletin; Ohio Department of Insurance pre-licensing information. Pass Point Learning is not the Ohio Department of Insurance. Rules and fees change, so confirm them with the Department and PSI before you pay.
Start your Accident & Health course tonight
$69.99 a course, and your access doesn't expire for six months. Study on your phone, tablet or computer. Ohio Department of Insurance approved, provider #12420.