Test your health insurance IQ
Updated for plan year 2026
Ten questions on how health insurance actually works — deductibles, subsidies, COBRA, open enrollment, and the rest. You get the answer and a short, sourced explanation after every question, then a score out of ten. No email, no catch.
Someone scored 0/10 (Worth a refresher). Can you beat it? Answer the ten questions below.
Question 1 of 10
What's the difference between your deductible and your out-of-pocket maximum?
How we know the answers
Every question and explanation comes from our content-verification log, where each factual claim was checked against an authoritative source — HealthCare.gov, the IRS, the U.S. Department of Labor, or CMS. The explanations are deliberately short; each one links to the matching /learn glossary entry where you can read the full detail and the source. This is educational — it measures how well you understand the rules, not whether a particular plan is right for you.
Frequently asked questions
How is the Insurance IQ quiz scored?
- You answer ten multiple-choice questions, one at a time, with instant feedback and an explanation after each. Your score is the number you got right out of ten, with a grade band: 9–10 is "Insurance pro", 7–8 is "Solid", 5–6 is "Getting there", and below 5 is "Worth a refresher". There is no time limit and no email required.
Are the answers reliable?
- Yes. Every question and explanation is drawn from our content-verification log, where each claim was checked against an authoritative source — HealthCare.gov, the IRS, the Department of Labor, or CMS. Each explanation links to the matching /learn glossary entry so you can read the full detail and the source.
Can I share my result?
- Yes. The results screen has a "copy a shareable link" button that builds a link carrying only your score. When a friend opens it, they see a "someone scored N/10 — can you beat it?" version of the quiz. No personal information is included in the link.
Does a high score mean I have the right plan?
- No. This quiz measures how well you understand the rules of health insurance — not whether your specific plan is a good fit. For that, use the subsidy estimator and the true-cost-of-care calculator, which put real 2026 numbers behind the concepts.
The Insurance Guide is not an insurance company, agency, or licensed advisor, and this quiz does not provide insurance, tax, or financial advice. It is an educational self-assessment. Rules and dollar figures can change; confirm anything that affects your coverage with HealthCare.gov, your state marketplace, or a licensed agent.