- The Pass Rate Reality: What Massachusetts Actually Publishes
- Exam Structure That Shapes Your Odds
- Domain Weighting and Where Candidates Lose Points
- Who Sits for This Exam
- Why Candidates Fail: Patterns Behind the Numbers
- Improving Your Odds by Study Week
- Retake Mechanics and Cost of a Second Attempt
- Frequently Asked Questions
- Massachusetts does not publish an official public pass rate for the A&H producer exam.
- You need a scaled score of 70 on 80 scored questions to pass; 10 pretest questions don't count.
- Massachusetts law topics make up 37.5% of the exam combined across two domains.
- Types of Policies is the single largest domain at 20% of the content outline.
The Pass Rate Reality: What Massachusetts Actually Publishes
If you searched for this article hoping to find a specific pass percentage for the Massachusetts Accident and Health, or Sickness Insurance Exam, here's the honest answer: the Massachusetts Division of Insurance and Pearson Professional Assessments do not release a public, official pass rate for this exam. Unlike some national certifications that publish annual statistics, Massachusetts DOI licensing exams are treated as regulatory gatekeeping tools, not marketed credentials with published success metrics.
That means any number you see floating around forums or unrelated sites claiming to be "the MA A&H pass rate" should be treated with skepticism. Instead of chasing a fabricated statistic, the more useful exercise is understanding the mechanics that actually determine whether you pass: the scoring model, the question format, and the domain weighting. Those are documented facts, and they tell you far more about your real odds than a guessed percentage ever could.
Exam Structure That Shapes Your Odds
The Producer - Accident and Health, or Sickness Insurance Exam is administered in person at Pearson test centers and costs $37 per attempt. The exam includes 80 scored multiple-choice questions plus 10 unscored pretest questions, for a total of 90 questions on your screen. You won't know which 10 are pretest items, so every question deserves full attention.
To pass, you need a scaled score of 70. Scaled scoring means your raw number of correct answers is converted to a standardized scale, which is why you can't simply calculate "70% correct" as your target. The scaling accounts for slight difficulty differences between test forms, so the safest strategy is to aim for mastery across all seven domains rather than trying to reverse-engineer the exact number of questions you can miss.
For a full breakdown of how this scoring works in practice, see our dedicated guide on the MA A&H Passing Score 2026: Exactly What You Need to Pass.
Domain Weighting and Where Candidates Lose Points
The content outline effective July 22, 2026 breaks the exam into seven domains. Understanding the weight of each one is the single most important thing you can do to predict where your study time pays off.
| Domain | Weight |
|---|---|
| Types of Policies | 20% |
| Policy Provisions, Clauses, and Riders | 18.75% |
| Massachusetts Laws and Rules Pertinent to All Lines of Insurance | 18.75% |
| Massachusetts Laws and Regulations Pertinent to Accident, Health or Sickness Insurance Only | 18.75% |
| Field Underwriting Procedures | 10% |
| Social Insurance | 7.5% |
| Other Insurance Concepts | 6.25% |
Notice that Massachusetts law, split across two domains, accounts for 37.5% of the entire exam combined - more than any single topic area. Combined with Types of Policies at 20%, these three domains alone represent nearly 60% of your scored questions. If you're short on time before test day, this is where your remaining hours should go.
Types of Policies (20%)
This is the largest single domain and covers the structural categories of accident and health coverage a Massachusetts producer must recognize and explain to clients.
- Distinguishing individual versus group policy structures
- Recognizing disability income, long-term care, and Medicare supplement product types
- Identifying features unique to limited-benefit and specified-disease policies
Massachusetts Laws and Regulations Pertinent to Accident, Health or Sickness Insurance Only (18.75%)
This domain tests state-specific rules that don't appear on generic national A&H materials, which is exactly why generic study content falls short here.
- State-specific mandated benefits and continuation provisions
- Massachusetts-specific rules governing rate filings and policy forms
- Producer conduct and disclosure obligations unique to the Commonwealth
For a complete walkthrough of every domain with subtopic detail, read the MA A&H Exam Domains 2026: Complete Guide to All 7 Content Areas.
Who Sits for This Exam
Candidates taking the Massachusetts Producer - Accident and Health, or Sickness Insurance Exam are typically pursuing an insurance producer license so they can sell accident, health, disability income, and related coverage products to individuals and groups within Massachusetts. This includes people entering the field through captive agency programs, independent brokerages, and insurance carriers that write A&H business in the state.
Because this is a state licensing exam rather than a voluntary professional certification, most candidates are required to pass it as a condition of employment or contract appointment, not as an optional credential to boost a resume. If you're still confirming whether this exam applies to your career path, our overview of What Is MA A&H? and the plain-language explainer on MA A&H Meaning are good starting points before you register.
Key Takeaway
This exam is a regulatory requirement tied to licensure, not a discretionary certification - treat your prep timeline accordingly and check eligibility requirements before scheduling.
If you're unsure about prerequisites like background checks, pre-licensing education, or fingerprinting, review MA A&H Requirements 2026: Eligibility, Prerequisites & How to Qualify before you pay the $37 exam fee.
Why Candidates Fail: Patterns Behind the Numbers
Without an official pass rate to analyze, the more productive question is: what specifically trips up candidates on this exam? Based on the structure of the content outline, a few patterns stand out.
- Underestimating the Massachusetts law weight. Candidates who study national A&H concepts but skip state-specific statutes are ignoring 37.5% of the exam.
- Treating Policy Provisions, Clauses, and Riders as secondary. At 18.75%, this domain is tied with two law domains for second-largest weight, yet it's often under-reviewed because it feels procedural.
- Skipping Field Underwriting Procedures. At 10%, it's smaller, but it covers practical scenarios - application handling, replacement rules, disclosure timing - that show up as scenario-based questions many candidates find unfamiliar.
- Not practicing with the pretest-question format in mind. Since 10 of your 90 questions are unscored and indistinguishable from scored ones, candidates who slow down or panic on an unfamiliar question waste time that should go toward the 80 that count.
A deeper look at exam difficulty, including how the question style compares to other producer exams, is available in How Hard Is the MA A&H Exam? Complete Difficulty Guide 2026.
Improving Your Odds by Study Week
Rather than generic study advice, your prep schedule should mirror the exam's own weighting. Here's a four-week structure built directly around the domain percentages above.
Types of Policies + Policy Provisions
- Build a comparison chart of individual vs. group, disability income, and Medicare supplement policy types
- Review standard provisions, clauses, and rider language until definitions are automatic
Massachusetts Law, Both Domains
- Study general Massachusetts insurance law applicable to all lines
- Layer in the accident-and-health-specific statutes and mandated benefits
Field Underwriting, Social Insurance, Other Concepts
- Work through application and replacement scenarios for Field Underwriting Procedures
- Cover Social Insurance (Medicare, Medicaid, Social Security disability) and Other Insurance Concepts as a combined lower-weight block
Full Review and Timed Practice
- Run full-length practice sets that mix all seven domains in proportion to their real weighting
- Identify your two weakest domains and do one final targeted review pass
This structure front-loads the two heaviest content areas (Types of Policies and the combined law domains) while still leaving room for the lower-weighted but scenario-heavy Field Underwriting Procedures domain. For a more detailed day-by-day plan, see the MA A&H Study Guide 2026: How to Pass on Your First Attempt, and for a fast final review, the MA A&H Cheat Sheet 2026: One-Page Review of Must-Know Facts is built for the week before your test date.
Running timed practice questions on our practice test platform before test day is one of the most direct ways to simulate the 90-question format and get comfortable with the pacing required to finish within the allotted time.
Retake Mechanics and Cost of a Second Attempt
Because the exam costs $37 per sitting, a failed attempt isn't catastrophic financially, but it does cost you scheduling time and requires rebooking a seat at a Pearson test center. Since all Massachusetts DOI licensing exams are delivered in person, you'll need to plan around test center availability rather than testing from home.
If your score report shows you missed the 70 scaled-score threshold, look at which domains dragged your score down. A retake strategy that simply repeats the same study approach without addressing weak domains rarely produces a different outcome. For a full cost breakdown, including what happens financially if you need to retake, see MA A&H Certification Cost 2026: Complete Pricing Breakdown.
Frequently Asked Questions
No. The Massachusetts Division of Insurance and Pearson Professional Assessments do not publish an official pass rate for the Producer - Accident and Health, or Sickness Insurance Exam. Treat any specific percentage you see elsewhere as unverified.
You need a scaled score of 70. The exam contains 80 scored questions plus 10 unscored pretest questions, and your raw results are converted to the scaled score system rather than graded as a simple percentage.
Types of Policies at 20% is the single largest domain, and the two Massachusetts law domains combine for 37.5% of the exam. Together these three areas make up nearly 60% of scored content.
No. All Massachusetts DOI licensing exams, including this one, are delivered in person at Pearson test centers. There is no remote or online-proctored option.
Each attempt costs $37. This fee applies each time you sit for the exam, so failed attempts require paying again to reschedule.