State-Approved Prelicensing
Health Insurance License Courses
Get your health insurance license online for $199. State-approved courses covering major medical, disability, LTC, and Medicare. Pass guarantee included.
Find My StateWhat Does a Health Insurance License Cover?
A health insurance license grants you the legal authority to sell a wide spectrum of health and benefits products. The most common are individual and group major medical plans — including ACA marketplace plans — as well as short-term medical coverage. Beyond standard health plans, a health license is also required for disability income insurance, which replaces a portion of a client's income if they become unable to work due to illness or injury.
Long-term care insurance and Medicare products represent two of the fastest-growing segments in the industry. More than 10,000 Americans turn 65 every single day, and virtually all of them need help navigating Medicare Supplement, Medicare Advantage, and Part D prescription drug plans. Health-licensed agents who specialize in the senior market are among the most in-demand in the country.
To sell any of these products, you must hold an active health insurance license in each state where your clients reside. The licensing process starts with completing a state-approved prelicensing course, passing the state licensing exam, and submitting a license application to the Department of Insurance. JustInsurance provides the online prelicensing education — $199 flat, self-paced, and backed by our pass guarantee. Select your state below to get started.
Health Insurance License by the Numbers
$199
Prelicensing price
Flat rate, no hidden fees
93%
First-attempt pass rate
Among JustInsurance completers
49
States covered
State-approved health courses nationwide
10,000+
Medicare enrollees per day
Turning 65 in the U.S. daily
Health Prelicensing by State
Select your state to see health insurance prelicensing requirements, required hours, exam details, and course pricing.
Frequently Asked Questions
What products can I sell with a health insurance license?
A health insurance license authorizes you to sell major medical insurance, individual and group health plans, disability income insurance, long-term care (LTC) insurance, Medicare Supplement (Medigap) plans, and Medicare Advantage plans. With a growing aging population and high consumer demand for Medicare products, health-licensed agents are in strong demand across the country.
Do I need a separate license to sell Medicare plans?
Yes — you need a health insurance license in the state where you sell. You also need to complete annual Medicare Sales Training (AHIP or carrier-equivalent) and hold a contract with each carrier whose Medicare plans you sell. The health insurance prelicensing course is the essential first step before any of those additional certifications.
What is long-term care insurance and do I need a special license to sell it?
Long-term care (LTC) insurance pays for services like nursing home care, assisted living, and in-home care that are not covered by standard health insurance or Medicare. In most states, you need a health insurance license to sell LTC products, and some states also require additional LTC-specific training beyond the standard prelicensing curriculum.
How is health insurance prelicensing structured?
Health insurance prelicensing courses cover topics including major medical insurance concepts, HMO and PPO plan structures, individual vs. group markets, disability insurance, Medicare and Medicaid programs, long-term care, applicable federal laws (ACA, HIPAA, ERISA), and state-specific regulations. Most states require between 20 and 40 prelicensing hours for the health line of authority.
Ready to Enter the Health Insurance Market?
Enroll in your state's health prelicensing course for $199 and start building a career in one of the most in-demand segments of the insurance industry.
Find My State