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Ohio Health Insurance — License Examination Requirements

US-OH · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Nonresident Business Entity Insurance Agent License — Accident and Health

Nonresident business-entity accident-and-health authority; an Ohio-licensed individual is designated for compliance.

Licensing authority: Ohio Department of Insurance · Application information

Initial business entity licensure
No examination is required for this applicant pathway.
Application
Submit the prescribed business-entity application, requested documents and fees.
Business registration
Ohio Secretary of State registration is not an insurance-license prerequisite; separate business-registration law may apply.
Designated agent
Maintain at least one individual insurance agent licensed in Ohio responsible for compliance.
Domicile
Domiciled or principally located in another state.
Home license
Licensed and in good standing in the home state for accident-and-health; home state grants reciprocal nonresident licenses.
Name
Apply under the legal name; misleading or overly similar names may be denied.
Suitability
Honest, trustworthy, suitable and no disqualifying act under ORC 3905.14.

Official no-examination sources

Effective from 2026-09-22.

Late renewal
No examination is required for this applicant pathway.
Additional fee
OAC 3901-5-09(J)(1)(d)(ii) adds fifty dollars, subject to the specified military or discretionary extenuating-circumstance waiver.
Application
Submit a complete renewal application, requested documents and applicable fees; remain suitable with no disqualifying act.
Deadline
Submit the late application before the first day of the second month following the renewal date.
Designated agent
Maintain the designated responsible licensed individual; a nonresident entity must maintain an individual licensed in Ohio.
Home license
Maintain the resident home-state license for the lines held in Ohio.
Renewal cycle
Nonresident entities renew by the last day of September in odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Business entity issuance after modification of disciplinary action
No examination is required for this applicant pathway.
Applicable requirements
ORC 3905.15(C) requires completion of applicable education and examinations; the business-entity issuance provisions require a designated licensed agent, with no separate entity licensing examination.
Application
Submit the prescribed business-entity application, requested documents and fees.
Business registration
Ohio Secretary of State registration is not an insurance-license prerequisite; separate business-registration law may apply.
Designated agent
Maintain at least one individual insurance agent licensed in Ohio responsible for compliance.
Domicile
Domiciled or principally located in another state.
Home license
Licensed and in good standing in the home state for accident-and-health; home state grants reciprocal nonresident licenses.
Name
Apply under the legal name; misleading or overly similar names may be denied.
Rehabilitation
The entity must satisfy the applicable ORC 3905.15(A)-(B) requirements and discretionary findings.
Suitability
Honest, trustworthy, suitable and no disqualifying act under ORC 3905.14.
Waiting period
At least five years after the action and two years after any previous modification request.

Official no-examination sources

Effective from 2026-09-22.

New business entity license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit the prescribed business-entity application, requested documents and fees.
Business registration
Ohio Secretary of State registration is not an insurance-license prerequisite; separate business-registration law may apply.
Designated agent
Maintain at least one individual insurance agent licensed in Ohio responsible for compliance.
Domicile
Domiciled or principally located in another state.
Home license
Licensed and in good standing in the home state for accident-and-health; home state grants reciprocal nonresident licenses.
Name
Apply under the legal name; misleading or overly similar names may be denied.
Prior status
Apply as a new agent after surrender, revocation or cancellation, and satisfy the applicable business-entity licensing requirements.
Suitability
Honest, trustworthy, suitable and no disqualifying act under ORC 3905.14.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after suspension for nonrenewal
No examination is required for this applicant pathway.
Additional fee
OAC 3901-5-09(J)(1)(d)(iii) adds one hundred dollars, subject to the specified military or discretionary extenuating-circumstance waiver.
Application
Submit a complete renewal application, requested documents and applicable fees; remain suitable with no disqualifying act.
Deadline
Reinstate within twelve months following the date by which the license should have been renewed.
Designated agent
Maintain the designated responsible licensed individual; a nonresident entity must maintain an individual licensed in Ohio.
Home license
Maintain the resident home-state license for the lines held in Ohio.
Previous status
License automatically suspended for nonrenewal; comply with the superintendent's reinstatement procedure.
Renewal cycle
Nonresident entities renew by the last day of September in odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Regular license renewal
No examination is required for this applicant pathway.
Application
Submit a complete renewal application, requested documents and applicable fees; remain suitable with no disqualifying act.
Designated agent
Maintain the designated responsible licensed individual; a nonresident entity must maintain an individual licensed in Ohio.
Home license
Maintain the resident home-state license for the lines held in Ohio.
Renewal cycle
Nonresident entities renew by the last day of September in odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident Business Entity Insurance Agent License — Accident and Health

Business-entity accident-and-health authority; a licensed individual is designated for compliance.

Licensing authority: Ohio Department of Insurance · Application information

Initial business entity licensure
No examination is required for this applicant pathway.
Application
Submit the prescribed business-entity application, requested documents and fees.
Business authorization
Obtain Ohio Secretary of State business authorization when required.
Designated agent
Maintain at least one designated licensed individual responsible for compliance.
Domicile
Domiciled in Ohio or maintains the principal business location in Ohio.
Name
Apply under the legal name registered with the Ohio Secretary of State; misleading or overly similar names may be denied.
Suitability
No disqualifying act under ORC 3905.14.

Official no-examination sources

Effective from 2026-09-22.

Late renewal
No examination is required for this applicant pathway.
Additional fee
OAC 3901-5-09(J)(1)(d)(ii) adds fifty dollars, subject to the specified military or discretionary extenuating-circumstance waiver.
Application
Submit a complete renewal application, requested documents and applicable fees; remain suitable with no disqualifying act.
Deadline
Submit the late application before the first day of the second month following the renewal date.
Designated agent
Maintain the designated responsible licensed individual; a nonresident entity must maintain an individual licensed in Ohio.
Renewal cycle
Resident entities renew by the last day of September in even-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Business entity issuance after modification of disciplinary action
No examination is required for this applicant pathway.
Applicable requirements
ORC 3905.15(C) requires completion of applicable education and examinations; the business-entity issuance provisions require a designated licensed agent, with no separate entity licensing examination.
Application
Submit the prescribed business-entity application, requested documents and fees.
Business authorization
Obtain Ohio Secretary of State business authorization when required.
Designated agent
Maintain at least one designated licensed individual responsible for compliance.
Domicile
Domiciled in Ohio or maintains the principal business location in Ohio.
Name
Apply under the legal name registered with the Ohio Secretary of State; misleading or overly similar names may be denied.
Rehabilitation
The entity must satisfy the applicable ORC 3905.15(A)-(B) requirements and discretionary findings.
Suitability
No disqualifying act under ORC 3905.14.
Waiting period
At least five years after the action and two years after any previous modification request.

Official no-examination sources

Effective from 2026-09-22.

New business entity license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit the prescribed business-entity application, requested documents and fees.
Business authorization
Obtain Ohio Secretary of State business authorization when required.
Designated agent
Maintain at least one designated licensed individual responsible for compliance.
Domicile
Domiciled in Ohio or maintains the principal business location in Ohio.
Name
Apply under the legal name registered with the Ohio Secretary of State; misleading or overly similar names may be denied.
Prior status
Apply as a new agent after surrender, revocation or cancellation, and satisfy the applicable business-entity licensing requirements.
Suitability
No disqualifying act under ORC 3905.14.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after suspension for nonrenewal
No examination is required for this applicant pathway.
Additional fee
OAC 3901-5-09(J)(1)(d)(iii) adds one hundred dollars, subject to the specified military or discretionary extenuating-circumstance waiver.
Application
Submit a complete renewal application, requested documents and applicable fees; remain suitable with no disqualifying act.
Deadline
Reinstate within twelve months following the date by which the license should have been renewed.
Designated agent
Maintain the designated responsible licensed individual; a nonresident entity must maintain an individual licensed in Ohio.
Previous status
License automatically suspended for nonrenewal; comply with the superintendent's reinstatement procedure.
Renewal cycle
Resident entities renew by the last day of September in even-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Regular license renewal
No examination is required for this applicant pathway.
Application
Submit a complete renewal application, requested documents and applicable fees; remain suitable with no disqualifying act.
Designated agent
Maintain the designated responsible licensed individual; a nonresident entity must maintain an individual licensed in Ohio.
Renewal cycle
Resident entities renew by the last day of September in even-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Agent License — Accident and Health

Temporary authority to service accident-and-health insurance business under ORC 3905.09, subject to the superintendent's limitations.

Licensing authority: Ohio Department of Insurance · Application information

Business entity member or employee
No examination is required for this applicant pathway.
Discretion
The superintendent determines the temporary license is necessary to service insurance business.
Duration
No more than 180 days; it cannot continue after the business is disposed of.
Eligibility
Member or employee of a licensed business entity when the sole or remaining licensed insurance agent dies or becomes disabled.
Limits
The superintendent may limit authority, rescind the license when public interests are endangered and impose other protective requirements.
Sponsor
A licensed agent or insurer sponsors the temporary licensee and is responsible for all acts.

Official no-examination sources

Effective from 2026-09-22.

Military service designee
No examination is required for this applicant pathway.
Discretion
The superintendent determines the temporary license is necessary to service insurance business.
Duration
No more than 180 days; it cannot continue after the business is disposed of.
Eligibility
Designee of a licensed agent entering active service in the United States armed forces.
Limits
The superintendent may limit authority, rescind the license when public interests are endangered and impose other protective requirements.
Sponsor
A licensed agent or insurer sponsors the temporary licensee and is responsible for all acts.

Official no-examination sources

Effective from 2026-09-22.

Public interest temporary issuance
No examination is required for this applicant pathway.
Discretion
The superintendent determines the temporary license is necessary to service insurance business.
Duration
No more than 180 days; it cannot continue after the business is disposed of.
Eligibility
Another person for whom the superintendent determines that the public interest is best served by temporary licensure.
Limits
The superintendent may limit authority, rescind the license when public interests are endangered and impose other protective requirements.
Sponsor
A licensed agent or insurer sponsors the temporary licensee and is responsible for all acts.

Official no-examination sources

Effective from 2026-09-22.

Surviving spouse or personal representative
No examination is required for this applicant pathway.
Discretion
The superintendent determines the temporary license is necessary to service insurance business.
Duration
No more than 180 days; it cannot continue after the business is disposed of.
Eligibility
Surviving spouse or court-appointed personal representative of an agent who dies or becomes mentally or physically disabled; service the business during sale, recovery/return or training and licensing replacement personnel.
Limits
The superintendent may limit authority, rescind the license when public interests are endangered and impose other protective requirements.
Sponsor
A licensed agent or insurer sponsors the temporary licensee and is responsible for all acts.

Official no-examination sources

Effective from 2026-09-22.