It's not a side bar at all? If the two injured players mentioned, who have larger contracts, are being paid by insurance that to me would mean the actual payroll is significantly lower. And just as Gunnarthor stated that might have been why the Pohlad's were willing to eat most of Garcia's contract. So, it does in fact come into play when talking about the total payroll. Edit: Plus we aren't talking about every other team. We're talking about the cheap a$$ Pohlads, so any money gained via insurance is a really big deal.