Medical coverage is tricky. For the most part everything that happens on the ice is workmans comp and covered under wc insurance. IE broken bones etc.
Insurance is available, you pay the premium. Several plans. I go with the catastrophic coverage. 5000 dollar deductable and 80/20 after that. It’s the cheapest and I can cover the deductable.You’ll be flown to NZ for major problems. Medical bills are much cheaper there than in the us.
Standard insurance is also available