Bill
HF 2923
Mandates the Minnesota State High School League obtain catastrophe insurance and provide catastrophe injury payments, funded in part by an income subtraction.
HF 2923 would require the Minnesota State High School League (MSHSL) to obtain catastrophic accident insurance coverage and to provide for catastrophic injury payments. In addition, the bill would require a subtraction from income (likely a tax or payroll-related deduction) related to the funding or administration of these provisions. The primary aim appears to be ensuring financial protection for student-athletes against catastrophic injuries and providing a dedicated funding mechanism to support those protections.
Mandated catastrophic accident insurance: The MSHSL would be required to contract for catastrophic accident insurance coverage. This implies a formal obligation for the League to secure specific insurance protections beyond standard liability or medical coverage.
Catastrophic injury payments: The bill would establish or mandate payments for catastrophic injuries sustained by participants under the auspices of MSHSL activities. This suggests a defined program or benefits schedule to provide financial assistance for severe injuries.
Subtraction from income: The bill would authorize a subtraction from income to support these initiatives. This typically refers to a tax-related deduction, which could reduce taxable income for individuals or entities contributing to or supporting the program, or for the program itself in some manner. The exact mechanics (who may claim, eligibility, caps, and phase‑in details) are not specified in the provided text.
Minnesota State High School League (MSHSL): As the entity subject to the insurance contracting requirement and the provider of catastrophic injury payments, MSHSL would assume new obligations to secure coverage and administer or fund the injury payments.
Student-athletes and participants in MSHSL programs: Beneficiaries of the catastrophic accident insurance and injury-payment provisions. The program would impact families financially by reducing potential uninsured costs related to catastrophic injuries and providing structured benefits.
Tax or financial contributors: If the “subtraction from income” is enacted as a tax deduction or similar mechanism, individuals, families, or organizations contributing to or supporting the program could be affected by changes to taxable income.
Introductory status: The bill was introduced and referred to the Education Policy committee (as of March 27, 2025).
Sponsor and support: The bill has multiple co-sponsors, indicating bipartisan or broad legislative interest. Co-sponsors include Peggy Bennett, Mary Clardy, Ron Kresha, Nathan Coulter, Samantha Sencer-Mura, Jamie Long, and Cheryl Youakim.
Next steps in the legislative process: As with any introduced bill, the typical path would involve committee hearings (likely in Education Policy and related fiscal or policy committees), potential amendments, and floor votes in the Minnesota House, followed by consideration in the Senate and any conference committee if differences arise. Specific fiscal notes, definitions (e.g., what qualifies as catastrophic injury, benefit amounts, duration of payments, and funding levels), and implementation dates would be determined during committee deliberations.
The summary reflects the text available in the bill’s title and action history. The exact statutory language, eligibility criteria, benefit schedules, funding amounts, premium costs, administration responsibilities, and the precise mechanics of the “subtraction from income” are not provided here and would require reviewing the full bill text and fiscal notes.
Stakeholders likely to be interested include school districts, student-athlete families, school administrators, athletic directors, and insurers or brokers handling catastrophic coverage.
If you’d like, I can pull and summarize the full bill language, fiscal note, or provide a side-by-side comparison with current law to highlight precise changes.
Compiled from official sources — confirm details with the bill’s official record.
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