This past Sunday, Illinois Governor Pat Quinn signed into law a bill known as "Rocky’s Law" that requires Illinois high schools, through the local school district, to buy catastrophic injury insurance up to US$3 million or medical costs for up to five years, whichever one comes first, that covers student athletes.  The insurance must cover student athletes while they are competing.
The legislation was named after Rasul "Rocky" Clark.  In 2000, the Eisenhower High School football player became paralyzed from the waist down as a result of a tackle during a game.  His school based health insurance covered the costs of his medical treatment.  A legislator sponsoring the bill noted that the need for this type of insurance is rare.  Clark's mother attended the legislation signing.  Her son died last year.
Before parents can claim money from school insurance, they first must pay out US$50,000. Schools have until January 1, 2014 to comply with the law.  Schools cannot charge students more than US$5 to defray the cost of insurance.  If a school district already requires student to be covered through private health insurance, they are exempted from this law.

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Illinois high schools now required to buy insurance for athletes