- MA A&H refers to the Massachusetts Accident & Health Insurance Producer Exam, regulated by the Massachusetts Division of Insurance.
- The exam costs $37, has 80 scored questions plus 10 unscored pretest items, and requires a scaled score of 70 to pass.
- Types of Policies is the heaviest domain at 20%, while Massachusetts-specific law makes up 37.5% of the total exam combined.
- Pearson VUE administers the exam in person at Massachusetts test centers - there is no remote-proctoring option.
What Does MA A&H Mean?
MA A&H stands for the Massachusetts Accident and Health Insurance Producer Exam - officially titled the Producer, Accident and Health, or Sickness Insurance Exam. It is the state licensing test that anyone selling accident, health, or sickness insurance products in Massachusetts must pass before the Division of Insurance will issue a producer license in that line of authority.
This is not a voluntary industry certification, a college designation, or a continuing-education badge. It's a regulatory gate. If you want to legally sell accident and health insurance products to Massachusetts residents - whether that's supplemental health plans, disability income coverage, or related sickness policies - you need to clear this exam first. For a broader breakdown of the credential itself, see What Is MA A&H? and MA A&H Meaning.
Who Administers the Exam
The Massachusetts Division of Insurance sets the licensing requirements and content outline, but the actual test delivery is handled by Pearson Professional Assessments. Pearson operates the physical test centers where candidates sit for the exam, manages scheduling, and reports results back to the state.
All Massachusetts DOI licensing exams - including the A&H exam - are delivered in person at Pearson test centers. There is currently no remote or at-home testing option for this particular exam, which is worth planning around if you're coordinating travel or time off work. For a full walkthrough of the credential's structure and requirements, check out What Is MA A&H Certification? and MA A&H Certification.
Exam Format, Fee, and Scoring
The mechanics of the MA A&H exam are straightforward once you know the numbers:
- Cost: $37 per attempt
- Question count: 80 scored multiple-choice questions, plus 10 additional unscored pretest questions mixed in (you won't know which ones are which)
- Passing score: a scaled score of 70
- Delivery: in person only, at a Pearson test center
- Content outline effective date: July 22, 2026
That means your working exam has 90 total questions, but only 80 count toward your score. There's no way to identify the pretest items during the test, so the practical strategy is to treat every question as if it counts. For a granular look at what a "scaled score of 70" actually means and how it's calculated, see MA A&H Passing Score 2026: Exactly What You Need to Pass. If you're budgeting for the exam, retakes, and materials, MA A&H Certification Cost 2026: Complete Pricing Breakdown breaks down the full cost picture.
Key Takeaway
Budget time for 90 questions even though only 80 are scored - pacing yourself as if every question matters avoids the trap of rushing through the back half of the exam.
The 7 Content Domains
The Massachusetts DOI content outline splits the exam into seven domains. Two of them - Types of Policies and the two Massachusetts law domains - dominate the weighting, which should shape how you allocate study time.
Domain 1: Types of Policies (20%)
The single largest domain on the exam. Candidates need working knowledge of the various accident, health, and sickness policy structures sold in Massachusetts.
- Distinguishing individual vs. group policy structures
- Recognizing product categories tested under this domain
Domain 2: Policy Provisions, Clauses, and Riders (18.75%)
Covers the contractual language that defines how a policy actually behaves - exclusions, renewability provisions, and endorsements.
- Standard vs. optional provisions
- How riders modify base coverage
Domain 3: Social Insurance (7.5%)
Focuses on government-administered programs and how they interact with private accident and health coverage.
Domain 4: Other Insurance Concepts (6.25%)
The smallest domain, covering foundational insurance principles that don't fit neatly into the other categories.
Domain 5: Field Underwriting Procedures (10%)
Tests what producers are responsible for at the point of sale - application accuracy, disclosure obligations, and initial risk assessment steps.
Domain 6: Massachusetts Laws and Rules Pertinent to All Lines of Insurance (18.75%)
General state insurance law that applies across every line, not just accident and health.
Domain 7: Massachusetts Laws and Regulations Pertinent to Accident, Health or Sickness Insurance Only (18.75%)
State-specific rules that apply narrowly to accident and health products - separate from the general law domain above.
Combine Domains 6 and 7 and you get 37.5% of the entire exam devoted to Massachusetts-specific law - more than a third of your score rides on state rules alone, not general insurance theory. That's a critical planning detail covered in depth in MA A&H Exam Domains 2026: Complete Guide to All 7 Content Areas.
| Domain | Weight |
|---|---|
| 1. Types of Policies | 20% |
| 2. Policy Provisions, Clauses, and Riders | 18.75% |
| 6. Massachusetts Laws (All Lines) | 18.75% |
| 7. Massachusetts Laws (A&H Only) | 18.75% |
| 5. Field Underwriting Procedures | 10% |
| 3. Social Insurance | 7.5% |
| 4. Other Insurance Concepts | 6.25% |
Who Actually Needs This Credential
The MA A&H license is required for anyone acting as a producer selling accident, health, or sickness insurance in Massachusetts. In practice, that includes agents at independent brokerages, captive agents working for a single carrier, and insurance staff at agencies that write supplemental health, disability, or accident coverage as part of a broader book of business.
It's frequently paired with a life insurance license, since many Massachusetts producers sell both lines to the same client base. If you're weighing whether this is the right credential path for your career goals, Is the MA A&H Certification Worth It? Complete ROI Analysis 2026 walks through the tradeoffs, and MA A&H Salary Guide 2026: Complete Earnings Analysis covers earnings considerations for licensed producers. For a look at where licensed producers actually find work, see MA A&H Jobs.
Before you can sit for the exam, you'll need to meet Massachusetts's eligibility criteria - details on prerequisite steps are outlined in MA A&H Requirements 2026: Eligibility, Prerequisites & How to Qualify.
How to Approach Studying by Domain
Because Types of Policies (20%) and the two Massachusetts law domains (18.75% each) together make up nearly 58% of the exam, your study plan should weight time toward those three areas first, then layer in the smaller domains.
Types of Policies & Policy Provisions
- Build a policy-type reference chart covering products tested under Domain 1
- Work through provisions, clauses, and riders (Domain 2) side by side with policy types since they overlap conceptually
Massachusetts Law, Domains 6 and 7
- Separate general Massachusetts insurance law (Domain 6) from A&H-specific state rules (Domain 7) - don't blend them, since the exam tests them as distinct domains
- Drill state-specific terminology since this is the most Massachusetts-particular content on the test
Field Underwriting, Social Insurance, Other Concepts
- Cover Domain 5 (Field Underwriting Procedures), then the two lightest domains, Social Insurance and Other Insurance Concepts
- Run full-length practice sets that mix all 7 domains to simulate real question distribution
For a day-by-day version of this plan with more granular tasks, see MA A&H Study Guide 2026: How to Pass on Your First Attempt. And if you want a fast reference to keep the domain weights and key terms in front of you during review sessions, bookmark the MA A&H Cheat Sheet 2026: One-Page Review of Must-Know Facts.
Why MA A&H Gets Confused With Other Credentials
Because "A&H" is a common shorthand across the insurance and benefits world, it's easy to stumble onto content describing a completely different exam, fee structure, or certifying body while researching "MA A&H." If you've seen wildly different numbers for cost, question count, or pass rates elsewhere, you were likely reading about an unrelated credential.
To stay grounded in the correct facts, rely on primary details: the Massachusetts Division of Insurance sets the rules, Pearson administers the test, the fee is $37, there are 80 scored plus 10 unscored questions, and passing requires a scaled score of 70. Everything else - domain names, weights, and format - should trace back to that same source. For more disambiguation, see What Does MA A&H Stand For?, What Is A MA A&H?, and What Does MA A&H Mean?.
Once you understand exactly which exam you're preparing for, the next useful step is gauging your odds realistically. How Hard Is the MA A&H Exam? Complete Difficulty Guide 2026 and MA A&H Pass Rate 2026: What the Data Shows are both written specifically about this Massachusetts producer exam, not any other credential sharing the acronym.
Key Takeaway
Anchor every fact you read about "MA A&H" against the Massachusetts Division of Insurance's own content outline - fee, question count, and domain weights should match exactly what's listed here.
Frequently Asked Questions
MA A&H stands for the Massachusetts Accident and Health Insurance Producer Exam, the state licensing test administered under the Massachusetts Division of Insurance for producers who want to sell accident, health, or sickness insurance in Massachusetts.
The exam fee is $37 per attempt, paid through Pearson Professional Assessments when you schedule your test.
The exam has 80 scored multiple-choice questions plus 10 unscored pretest questions, for 90 total. You need a scaled score of 70 to pass, and since the pretest questions aren't identified during the test, treat every question as scored.
No. All Massachusetts Division of Insurance licensing exams, including the A&H exam, are delivered in person at Pearson test centers. There is no online or remote-proctored version.
Types of Policies is the single largest domain at 20%, but Massachusetts law overall - combining Domain 6 and Domain 7 - accounts for 37.5% of the exam, so state-specific law deserves at least as much attention as policy types.