Cedar Park Assembly of God of Kirkland, Washington v. Kreidler

District Court, W.D. Washington·Decided May 6, 2020·No. 3:19-cv-05181·Unknown

Opinion

UNITED STATES DISTRICT COURT AT TACOMA CEDAR PARK ASSEMBLY OF GOD CASE NO. C19-5181 BHS ORDER GRANTING PLAINTIFF’S Plaintiff, MOTION FOR LEAVE TO v. SUPPLEMENT, GRANTING MYRON KREIDLER, Insurance DISMISS, AND DENYING Commissioner for the State of PLAINTIFF’S MOTION FOR Washington, and JAY INSLEE, PRELIMINARY INJUNCTION Governor of the State of Washington, Defendants.

This matter comes before the Court on Plaintiff Cedar Park Assembly of God of Kirkland, Washington’s (“Cedar Park”) second motion for preliminary injunction, Dkt. 49, and Defendants Myron Kreidler, Insurance Commissioner for the State of Washington, and Jay Inslee, Governor of the State of Washington’s (“State”) motion to dismiss, Dkt. 53, and Cedar Park’s motion for leave to supplement, Dkt. 51. The Court has considered the pleadings filed in support of and in opposition to the motions and the remainder of the file and hereby grants Cedar Park’s motion for leave to supplement, grants the State’s motion to dismiss, and denies Cedar Park’s motion for preliminary injunction for the reasons stated herein.

Since at least 1995, Washington law has provided conscience exemptions for participants in the health care and health insurance markets. The dispute in this case involves the differences between the conscience exemptions for different market participants, a provision in the conscience exemptions stating health carriers, facilities, and providers do not have to provide services for free, and a new law which requires that

health insurance cover comprehensive reproductive health services including abortion and all Food and Drug Administration-approved (“FDA”) contraceptive drugs, devices, and products.1 A. Legal and Regulatory Background For health insurance purchasers, Washington law provides that “[n]o individual or

organization with a religious or moral tenet opposed to a specific service may be required to purchase coverage for that service or services if they object to doing so for reasons of conscience or religion.” RCW 48.43.065(3)(a). While individuals and organizations do not have to purchase that coverage, enrollees must still be able to access it: The provisions of this section shall not result in an enrollee being denied coverage of, and timely access to, any service or services excluded from their benefits package as a result of their employer’s or another individual’s exercise of the conscience clause in (a) of this subsection.

1 The Court will use the term “reproductive health services” in this opinion to refer to FDA-approved contraceptive drugs, devices, and products as well as abortion and abortion- related drugs, procedures, and services. RCW 48.43.065(3)(b). Implementing regulations require each relevant insurance carrier to file “a full description of the process it will use to recognize an organization or

individual’s exercise of conscience based on a religious belief or conscientious objection to the purchase of coverage for a specific service.” WAC 284-43-5020(1). Regarding health insurance carriers and providers, RCW 48.43.065(2)(a) provides in part that “[n]o individual health care provider, religiously sponsored health carrier, or health care facility may be required by law or contract in any circumstances to participate in the provision of or payment for a specific service if they object to doing so for reasons

of conscience or religion.” Religiously sponsored carriers which for reasons of religious belief offer plans which exclude certain services covered in the model insurance plan “shall file for such plan a description of the process by which enrollees will have timely access to all services in the model plan.” WAC 284-43-5020(2). Finally, RCW 48.43.065(4) provides that “[n]othing in this section requires a

health carrier, health care facility, or health care provider to provide any health care services without appropriate payment of premium or fee.” In 2002, the Washington Office of the Attorney General (“AGO”) issued an advisory opinion interpreting RCW 48.43.065 in response to an inquiry from the Washington Office of the Insurance Commissioner (“OIC”), setting forth its opinion in

relevant part that “[t]he insurance commissioner has authority to require health care insurance carriers to include the cost of prescription contraceptives as a component in the rate[-]setting actuarial analysis, where an employer raises a conscientious objection to paying these costs directly as a part of that employer’s employee health care benefit package.” AGO 2002 No. 5. The opinion explained in part that “conceptually, OIC could require a carrier include the cost of contraceptive coverage as an expense component in

its rate setting actuarial analysis; a more definite answer would have to be tailored to a more specific proposal.” Id. In 2006, the AGO issued another opinion analyzing the extent of an employer’s option to provide employee health insurance without including coverage of prescription contraceptives in response to an inquiry from two Washington State legislators. AGO 2006 No. 10. The 2006 opinion explained that the AGO had reviewed the 2002 opinion, stating in part that:

The upshot of our 2002 analysis is that, while employers may exercise their ‘conscience clause’ rights under RCW 48.43.065(3), they may not do so by contracting with a state-regulated health carrier for a benefits package that excludes contraceptives while including coverage of other prescription drugs, or a package requiring employees to pay for their own contraceptive coverage. There may be other, lawful ways in which employers may exercise their ‘conscience clause’ option . . . Perhaps they might also offer a health care benefits plan that does not involve purchasing a health plan from a state-regulated carrier. An Attorney General’s Opinion is not an appropriate vehicle to examine how that might be done as a matter of employment and insurance practices, or whether there would be legal pitfalls in any particular approach. We simply note that the statutes and WAC do not foreclose the exercise of ‘conscience clause’ rights by employers. Id. In 2018, the State enacted SB 6219. 2018 Wash. Sess. Laws 1. Relevant here, SB 6219 was codified as RCW 48.43.072 and RCW 48.43.073. Dkt. 20, ⁋ 4. RCW 48.43.072 requires all health plans issued or renewed on or after January 1, 2019 to cover all FDA- approved prescription and over-the-counter contraceptive drugs, devices, and products. RCW 48.43.073 requires all health plans issued or renewed on or after January 1, 2019 which provide coverage for maternity care or services to provide the covered person “with substantially equivalent coverage to permit the abortion of a pregnancy.”

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Cedar Park Assembly of God of Kirkland, Washington v. Kreidler, (W.D. Wash. 2020).

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