'Freddy's law' would require cardiac test for youth athletes - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Advertise
    • Contact
    • Editorial Staff
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Health/Employee Benefits News
Newswires RSS Get our newsletter
Order Prints
October 11, 2025 Newswires
Share
Share
Tweet
Email

'Freddy's law' would require cardiac test for youth athletes

Christian M. Wade, The Salem News, Beverly, Mass.Salem News

BOSTON — High school athletes in Massachusetts would be required to undergo cardiac tests to screen for heart conditions under a new proposal on Beacon Hill that would mandate that health insurers foot the bill for the examinations.

The legislation would require public school students in grades 9-12 to complete an electrocardiogram as part of their sports physical at the beginning of the 2026-27 school year.

The proposal, dubbed “Freddy’s Law,” was named after Freddy Espinal, a 17-year-old Peabody Veterans Memorial High School junior who died in September 2024 from sudden cardiac arrest during wrestling practice.

State Rep. Tom Walsh, D-Peabody, one of the bill’s primary sponsors, said the goal is to identify undiagnosed heart conditions before a young athlete suffers cardiac arrest, which kills thousands of children every year.

“If as part of a regular physical exam to play varsity sports students had an EKG, it might pick up a heart defect and avoid problems down the road,” he said.

The proposal stemmed from a conversation Walsh had with Espinal’s family during a recent ceremony with Peabody officials at Freddy’s elementary school to mark the installation of a bench with plaque bearing his name. He said the family expressed support for efforts to prevent future tragedies.

“His mother felt if he had had an EKG he would probably still be alive today,” Walsh said. “He was playing sports and they didn’t realize there was an issue with his heart.”

Electrocardiograms are a simple test, which can be done in a nurse or doctor’s office, that records the electrical activity of the heart by measuring electrical impulses through small electrode patches attached to the skin of the chest, arms and legs. The screenings can catch issues such as irregular heartbeats and other abnormalities.

Under the proposal, the Massachusetts Interscholastic Athletic Association would be required to work with the state and other groups to develop policies and procedures for conducting the examinations, including what happens when a test reveals abnormalities and whether there should be exemptions for parents to opt-out of the screening.

“This bill is really important,” said state Sen. Joan Lovely, D-Salem, another co-sponsor of the legislation. “A lot of these health issues are silent and often we don’t find out about it until there’s a tragic incident, as in Freddy’s case. These screenings could help prevent that.”

If approved, Massachusetts would join Florida in setting a requirement that student athletes be tested before they can play.

Florida’s “Second Chance” law, signed by Gov. Ron DeSantis earlier this year, was named in honor of Chance Gainer, a Florida Panhandle high school football player who died in 2024 after collapsing during a game. The law requires high school student athletes to get at least one EKG before they can play varsity football and other sports.

An estimated 7,000 children suffer cardiac arrest each year, according to the American Heart Association. Thousands of others are saved by Automated External Defibrillators that provide a shock to revive a person in cardiac arrest, the association says.

The Massachusetts proposal still faces a long slog through the legislative process on Beacon Hill, and would need to be approved by the House of Representatives and Senate before heading to Gov. Maura Healey’s desk for consideration. The Legislature is almost at its halfway mark through the two-year session.

The late-filed bill is also facing early push back from the state’s health insurance industry, which opposes new mandates on medical coverage.

“Massachusetts already has one of the most comprehensive sets of required benefits in the nation, and layering on new mandates only makes coverage less affordable and drives more employers out of the regulated market,” Lora Pellegrini, president and CEO of the Massachusetts Association of Health Plans, said in a prepared statement.

She said health plans are “committed to ensuring that all residents have access to high-quality, affordable care” but every mandate “adds to premiums for individuals and small businesses in the fully insured market.”

Lawmakers backing the bills said they expected pushback over the insurance requirement but argue with the screenings will help save lives and reduce medical costs with a simple test.

“We know we have a long road ahead of us, but we thought that a late-file bill was the way to go to get the work started,” Walsh said. “This gets the discussion going, and hopefully we can come up with a solution.”

Christian M. Wade covers the Massachusetts Statehouse for North of Boston Media Group’s newspapers and websites. Email him at [email protected].

© 2025 The Salem News (Beverly, Mass.). Visit www.salemnews.com. Distributed by Tribune Content Agency, LLC.

Older

Kathy's #Mailbag, Oct. 10, 2025

Newer

DTRIC Insurance to begin exit from Hawaii market

Advisor News

  • Flexibility is the future of employee financial wellness benefits
  • Bill aims to boost access to work retirement plans for millions of Americans
  • A new era of advisor support for caregiving
  • Millennial Dilemma: Home ownership or retirement security?
  • How OBBBA is a once-in-a-career window
More Advisor News

Annuity News

  • 2025 Top 5 Annuity Stories: Lawsuits, layoffs and Brighthouse sale rumors
  • An Application for the Trademark “DYNAMIC RETIREMENT MANAGER” Has Been Filed by Great-West Life & Annuity Insurance Company: Great-West Life & Annuity Insurance Company
  • Product understanding will drive the future of insurance
  • Prudential launches FlexGuard 2.0 RILA
  • Lincoln Financial Introduces First Capital Group ETF Strategy for Fixed Indexed Annuities
More Annuity News

Health/Employee Benefits News

  • FAILURE TO EXTEND ACA PREMIUM SUBSIDIES COULD LEAD TO DEVASTATING CONSEQUENCES
  • Tuesday is a big deadline for Mass Health Connector plans — and not all subsidies are going away
  • Health insurance spike will hit 2026 farm budgets, farmers say
  • With no deal in sight, health care costs will rise in 2026. Here’s how that will affect one Lehigh Valley family
  • Repubs and Dems pitch competing plans to tackle affordability
Sponsor
More Health/Employee Benefits News

Life Insurance News

  • Private placement securities continue to be attractive to insurers
  • Inszone Insurance Services Expands Benefits Department in Michigan with Acquisition of Voyage Benefits, LLC
  • Affordability pressures are reshaping pricing, products and strategy for 2026
  • How the life insurance industry can reach the social media generations
  • Judge rules against loosening receivership over Greg Lindberg finances
More Life Insurance News

- Presented By -

Top Read Stories

  • How the life insurance industry can reach the social media generations
More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Slow Me the Money
Slow down RMDs … and RMD taxes … with a QLAC. Click to learn how.

ICMG 2026: 3 Days to Transform Your Business
Speed Networking, deal-making, and insights that spark real growth — all in Miami.

Your trusted annuity partner.
Knighthead Life provides dependable annuities that help your clients retire with confidence.

Press Releases

  • Two industry finance experts join National Life Group amid accelerated growth
  • National Life Group Announces Leadership Transition at Equity Services, Inc.
  • SandStone Insurance Partners Welcomes Industry Veteran, Rhonda Waskie, as Senior Account Executive
  • Springline Advisory Announces Partnership With Software And Consulting Firm Actuarial Resources Corporation
  • Insuraviews Closes New Funding Round Led by Idea Fund to Scale Market Intelligence Platform
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Advertise
  • Contact
  • Editorial Staff
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2025 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet