Minnesota House Bill HF2923

Minnesota 2025-2026 Regular Session

• Introduced: 3/27/25
• Refer: 3/27/25

Caption

Minnesota State High School League required to contract for catastrophic accident insurance, catastrophic injury payments required, and subtraction from income provided.

Impact

The legislation is expected to create a significant shift in how high school athletics are managed in Minnesota regarding student safety and financial responsibility for catastrophic injuries. By requiring the insurance policy to cover certain medical expenses and treatments recommended by healthcare providers, this bill aims to provide necessary support to injured students and alleviate financial burdens from families. Furthermore, the provision for payment to two former athletes who faced catastrophic injuries underscores a commitment to accountability and restitution within the League.

Summary

House File 2923 mandates that the Minnesota State High School League must secure catastrophic accident insurance for students participating in high school athletics. Under this bill, the insurance policy must offer at least $10 million in lifetime coverage for catastrophic injuries sustained during activities sponsored by the League, with a deductible of $50,000. The coverage extends to student athletes, managers, trainers, and cheerleaders involved in interscholastic competitions, emphasizing comprehensive protection for all participating students.

Contention

Notable points of contention may arise from discussions about the financial implications of such a mandate on the Minnesota State High School League and its member schools. Critics may argue about the potential increase in operational costs associated with securing adequate insurance coverage and how these costs may affect school budgets or lead to changes in athletic programs. Additionally, there may be attention on ensuring the insurance plans are comprehensive enough to truly meet the needs of injured students, particularly regarding the adequacy and timeliness of payouts.