- MA A&H is the Massachusetts Division of Insurance's Producer - Accident and Health, or Sickness Insurance Exam.
- The exam costs $37 and has 80 scored questions plus 10 unscored pretest questions, delivered at Pearson test centers.
- You need a scaled score of 70 to pass.
- Massachusetts law topics (Domains 6 and 7 combined) make up 37.5% of the exam.
What Is MA A&H, Exactly?
MA A&H stands for the Massachusetts Accident & Health Insurance Producer Exam - formally titled the Producer - Accident and Health, or Sickness Insurance Exam. It is one of the state-specific licensing exams overseen by the Massachusetts Division of Insurance and administered through Pearson Professional Assessments at in-person test centers. Passing it is the mandatory step for anyone who wants to hold an accident and health (also called accident and sickness) insurance producer license in the Commonwealth of Massachusetts.
This is not a voluntary professional designation you add to a resume for prestige. It's a state licensing requirement enforced by a regulator. If you plan to sell, solicit, or negotiate accident, health, or sickness insurance products in Massachusetts, you must pass this exam before the Division of Insurance will issue your license. For a broader breakdown of what the credential covers and how it's structured, see our companion piece on MA A&H Certification.
Who Needs This Exam and Why
The candidates who sit for MA A&H generally fall into a few buckets:
- New insurance agents entering the accident and health line for the first time, often alongside a life insurance license.
- Career-changers moving from another insurance line (like property and casualty) into health-related products.
- Employees of agencies and carriers who need a producer license to sell supplemental health, disability income, or sickness policies to Massachusetts residents.
- Out-of-state producers establishing a resident or nonresident license to do business with Massachusetts clients.
Because the license underpins actual employment eligibility, many agencies specifically list "must hold or be able to obtain MA accident and health producer license" in job postings. If you're weighing whether this path fits your career goals, our guides on MA A&H Jobs and Is the MA A&H Certification Worth It? dig into that decision in more detail.
Exam Format, Fee, and Scoring
The mechanics of this exam are straightforward once you know the numbers:
- Cost: $37 per attempt.
- Question count: 80 scored multiple-choice questions, plus 10 unscored pretest questions mixed in (you won't know which ones are unscored, so treat every question as if it counts).
- Passing score: a scaled score of 70.
- Delivery method: in person, at a Pearson Professional Assessments test center - there is no remote or at-home online-proctored option for Massachusetts DOI licensing exams.
- Content outline: the current version is effective July 22, 2026.
Every question is presented in a single-best-answer multiple-choice format. There's no essay component, no simulation, and no oral component - but don't mistake that for "easy." With only 80 scored items covering seven domains, each question carries real weight, and vague or partially-correct answer choices are common. For a full explainer of the score itself, see MA A&H Passing Score 2026: Exactly What You Need to Pass. For the complete cost picture, including any ancillary fees candidates sometimes overlook, check MA A&H Certification Cost 2026: Complete Pricing Breakdown.
Key Takeaway
Because unscored pretest questions are mixed in without identification, never assume a strange or unfamiliar question means you failed - answer every item as carefully as the rest.
The Seven Content Domains
The exam blueprint breaks into seven domains with fixed weightings. Understanding these weights is the single most useful thing you can do before opening a textbook, because it tells you exactly where your study hours should go.
Domain 1: Types of Policies (20%)
The largest domain on the exam. Candidates must know the structure and purpose of individual and group accident, health, and sickness policies - including disability income, long-term care, Medicare supplement, and other core product categories.
- Distinguishing features between policy types
- How benefits are triggered and paid
Domain 2: Policy Provisions, Clauses, and Riders (18.75%)
Covers the contractual language that defines coverage limits and exclusions - grace periods, incontestability clauses, waiver of premium riders, and similar provisions candidates must be able to identify and apply.
- Standard vs. optional provisions
- How riders modify a base policy
Domain 3: Social Insurance (7.5%)
Focuses on government-administered programs like Social Security disability and Medicare, and how they interact with private accident and health coverage.
Domain 4: Other Insurance Concepts (6.25%)
A smaller domain covering general concepts that don't fit neatly under policy types or provisions, such as underwriting classifications and risk concepts.
Domain 5: Field Underwriting Procedures (10%)
Tests knowledge of the producer's responsibilities during application intake - accurate disclosure, replacement notices, and proper handling of applicant information.
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 - licensing rules, producer conduct, and DOI authority.
Domain 7: Massachusetts Laws and Regulations Pertinent to Accident, Health or Sickness Insurance Only (18.75%)
State-specific rules that apply exclusively to accident and health products sold in Massachusetts - a domain generic national study material will not cover accurately.
For a deeper walkthrough of each domain with sample question styles, read MA A&H Exam Domains 2026: Complete Guide to All 7 Content Areas.
Why Massachusetts Law Dominates the Exam
Add Domain 6 and Domain 7 together and Massachusetts-specific law accounts for 37.5% of the scored exam - more than a third of your score depends on state law knowledge, not general accident and health product theory. This is the domain area most likely to trip up candidates who study from generic, national-level accident and health materials that never mention Massachusetts DOI rules at all.
| Domain | Weight | Category |
|---|---|---|
| 1. Types of Policies | 20% | Product knowledge |
| 2. Policy Provisions, Clauses, and Riders | 18.75% | Product knowledge |
| 6. MA Laws - All Lines | 18.75% | Massachusetts law |
| 7. MA Laws - Accident/Health Only | 18.75% | Massachusetts law |
| 5. Field Underwriting Procedures | 10% | Process knowledge |
| 3. Social Insurance | 7.5% | Government programs |
| 4. Other Insurance Concepts | 6.25% | General concepts |
If you want a data-driven look at how domain weighting correlates with candidate difficulty, our guide How Hard Is the MA A&H Exam? Complete Difficulty Guide 2026 breaks this down further, and MA A&H Pass Rate 2026: What the Data Shows covers what's publicly known about outcomes.
Building a Domain-Weighted Study Plan
Rather than studying chapters in the order a textbook presents them, allocate your time proportional to domain weight. A simple way to sequence it:
Types of Policies + Provisions, Clauses, and Riders
- Master policy categories first - this is 20% of the exam alone
- Layer in standard provisions and riders (18.75%) since they build on policy structure
Massachusetts Law, Domains 6 and 7
- Study general MA insurance law first, then narrow to accident/health-specific rules
- These two domains combined equal 37.5% - treat this week as non-negotiable
Field Underwriting, Social Insurance, Other Concepts
- Cover the remaining domains at 10%, 7.5%, and 6.25% respectively
- Run full-length practice sessions timed to the 80-question scored format
This structure isn't a generic study template - it's sequenced specifically around MA A&H's own domain weights, so the heaviest-tested material gets the most repetition before exam day. For a full week-by-week study plan with more detail, see MA A&H Study Guide 2026: How to Pass on Your First Attempt, and for a condensed review before test day, use the MA A&H Cheat Sheet 2026: One-Page Review of Must-Know Facts. You can also run timed, domain-weighted practice questions on our practice test platform to see where your weak spots actually are before you sit for the real thing.
What Happens After You Pass
Passing MA A&H with a scaled score of 70 or higher clears the exam requirement toward licensure, but it's one piece of a larger process that also includes eligibility prerequisites set by the Division of Insurance. If you haven't confirmed you meet those prerequisites, check MA A&H Requirements 2026: Eligibility, Prerequisites & How to Qualify before you even schedule a Pearson appointment. It's also worth reviewing MA A&H Exam Dates 2026: Testing Windows, Deadlines & Scheduling so you know how test center scheduling works in practice.
Once licensed, producers typically work for insurance agencies, brokerages, or carriers selling accident, health, disability income, or supplemental products to Massachusetts residents. If you're curious what compensation looks like in these roles, our MA A&H Salary Guide 2026: Complete Earnings Analysis lays out the qualitative picture, and MA A&H Jobs covers the kinds of employers actively hiring for this license.
Before you get there, it helps to practice under realistic conditions. Our practice test platform mirrors the 80-question scored format so you can gauge your readiness domain by domain rather than guessing at your overall preparedness.
Key Takeaway
Confirm your eligibility and scheduling logistics early - the exam itself is only one requirement in the full Massachusetts licensing sequence.
Frequently Asked Questions
MA A&H stands for the Massachusetts Accident & Health Insurance Producer Exam, formally the Producer - Accident and Health, or Sickness Insurance Exam administered by the Massachusetts Division of Insurance. For more on the terminology itself, see What Does MA A&H Stand For? and MA A&H Meaning.
The exam includes 80 scored multiple-choice questions plus 10 unscored pretest questions. You need a scaled score of 70 to pass.
No. All Massachusetts DOI licensing exams, including MA A&H, are delivered in person at Pearson Professional Assessments test centers - there is no remote option.
The exam fee is $37 per attempt. See MA A&H Certification Cost 2026: Complete Pricing Breakdown for the full cost picture including any related licensing expenses.
Start with Types of Policies (20%, the largest domain) and Policy Provisions, Clauses, and Riders (18.75%), then move into the two Massachusetts law domains, which together account for 37.5% of the exam.