Insurance Exam Prep

Ran Chen, EA, CFP®

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[Health Insurance] 53, Group Health Insurance Fundamentals

5/19/2026 • 3 min

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The distinction between the master contract held by the employer and the certificate of insurance provided to employees. - Common eligibility requirements for group coverage, including waiting periods for new hires. - The key differences between contributory and noncontributory plans, including their required participation percentages. - The function and importance of the annual open enrollment period for making coverage changes. - How experience rating is used for large groups to determine premiums based on their specific claims history. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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