Is this actually a problem though? For my kids you either pay for the insurance plan at the start of the year, or you're responsible for the full cost of replacement.
There are obviously exceptions made for qualified low-income households but otherwise I don't know why they school would particularly care what replacement cost is if it's passed onto the family.
It turns out "every school district in America" probably wasn't the target they were shooting for. And frankly even if they do have a cheap replacement plan, schools that are 100% low income aren't spending $500 per student on a laptop, they'll be buying the cheapest chromebooks they can find if they provide any takehome option at all.