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

CourtDistrict Court, W.D. Washington
DecidedMay 16, 2023
Docket3:19-cv-05181
StatusUnknown

This text of Cedar Park Assembly of God of Kirkland, Washington v. Kreidler (Cedar Park Assembly of God of Kirkland, Washington v. Kreidler) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Cedar Park Assembly of God of Kirkland, Washington v. Kreidler, (W.D. Wash. 2023).

Opinion

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5 UNITED STATES DISTRICT COURT 6 WESTERN DISTRICT OF WASHINGTON AT TACOMA 7 CEDAR PARK ASSEMBLY OF GOD CASE NO. C19-5181 BHS 8 OF KIRKLAND, WASHINGTON, ORDER 9 Plaintiff, v. 10 MYRON KREIDLER and JAY 11 INSLEE, 12 Defendants. 13

Plaintiff Cedar Park Assembly of God asserts that a 2018 Washington State law 14 requiring all health insurance plans that provide maternity coverage to provide 15 substantially equivalent abortion coverage violates its First Amendment rights because 16 facilitating abortion is against its religious beliefs. Defendants Jay Inslee and Myron 17 Kreidler (“the State”) argue that Cedar Park falls under an exception to the law and that 18 they are therefore able to bargain with insurance companies for plans that exclude 19 abortion coverage. Aside from disputing the merits of the case, the State argues that 20 Cedar Park lacks standing to bring its claims because it could obtain substantially similar 21 coverage excluding abortion services and thus has not been injured by the law. 22 1 This matter comes before the Court on the State’s Motion to Dismiss for lack of 2 standing, Dkt. 88, and the parties’ cross Motions for Sanctions, Dkts. 107, 109.

3 I. FACTUAL BACKGROUND 4 In 2018, the State enacted SB 6219, codified as RCW 48.43.072 and RCW 5 48.43.073. Dkt. 20, ¶ 4. RCW 48.43.072 requires all health plans issued or renewed on or 6 after January 1, 2019, to cover all FDA-approved prescription and over-the-counter 7 contraceptive drugs, devices, and products. RCW 48.43.073 requires all health plans 8 issued or renewed on or after January 1, 2019, that provide coverage for maternity care or

9 services to provide the covered person “with substantially equivalent coverage to permit 10 the abortion of a pregnancy.” 11 Under the Affordable Care Act, employers with over fifty employees are required 12 to provide health insurance for their employees. 26 U.S.C. § 4980H. That health 13 insurance plan must include access to maternity care services. 42 U.S.C.

14 § 18022(b)(1)(D). The effect of SB 6219 is therefore to require all non-exempt employers 15 in Washington to provide their employees health insurance coverage for abortion 16 services. Washington law exempts certain employers and health insurance plans from SB 17 6219. RCW 48.43.005(31), 48.43.065(2). 18 One of those exemptions is for “[e]mployer-sponsored self-funded health plans.”

19 RCW 48.43.005(31)(j). This type of insurance is frequently referred to in this case as 20 “self-insurance.” See, e.g., Dkt. 93 at 5. A self-funded plan differs from a fully insured 21 plan in that it requires the employer to take on more risk and to purchase a stop-loss 22 insurance policy to cover any costs over a set amount. Dkt. 93-6, ¶¶ 18–28. Similarly, the 1 parties frequently discuss “level-funded plans,” which again require the employer to take 2 on more risk. Id. Cedar Park maintains, and this Court agrees, that self-funded and level-

3 funded plans are not comparable to fully insured plans like it had, and still has, with 4 Kaiser Permanente. 5 For health insurance purchasers, Washington law provides that “[n]o individual or 6 organization with a religious or moral tenet opposed to a specific service may be required 7 to purchase coverage for that service or services if they object to doing so for reasons of 8 conscience or religion.” RCW 48.43.065(3)(a). While individuals and organizations do

9 not have to purchase that coverage, enrollees must still be able to access it: “The 10 provisions of this section shall not result in an enrollee being denied coverage of, and 11 timely access to, any service or services excluded from their benefits package as a result 12 of their employer’s or another individual’s exercise of the conscience clause in (a).” 13 RCW 48.43.065(3)(b). The statute also provides that the health carrier, facility, or

14 provider is not required “to provide any health care services without appropriate payment 15 of premium or fee.” RCW 48.43.065(4). 16 In contrast, “[n]o individual health care provider, religiously sponsored health 17 carrier, or health care facility may be required by law or contract in any circumstances to 18 participate in the provision of or payment for a specific service if they object to doing so

19 for reasons of conscience or religion.” RCW 48.43.065(2)(a). This exemption, 20 specifically for health care providers, religiously sponsored health carriers, and health 21 care facilities, does not have the same language disallowing denial of coverage of 22 excluded services. Rather, it states that “[t]he provisions of this section are not intended 1 to result in an enrollee being denied timely access to any service included in the basic 2 health plan services.” RCW 48.43.065(2)(b).

3 Cedar Park is a Christian church in Kirkland, Washington, that also provides other 4 faith-based services in the community. Dkt. 20, ¶ 5. Cedar Park asserts that, prior to SB 5 6219, it did not provide coverage for abortion or abortifacient contraceptives in its 6 employee health insurance plan. Id. Cedar Park also asserts that it “offer[ed] health 7 insurance coverage to its employees in a way that does not also cause it to pay for 8 abortions or abortifacient contraceptives, including, inter alia, emergency contraception

9 and intrauterine devices” and that its pre-SB 6219 plan “exclude[d] coverage for 10 abortions or abortifacient contraceptives.” Id. ¶¶ 46–47. Approximately 185 of Cedar 11 Park’s employees are eligible for its health insurance coverage. Id. ¶ 20. Employees are 12 required to sign a statement agreeing to follow Cedar Park’s standards of conduct, which 13 includes its teachings on the sanctity of life both at work and outside of work. Id. ¶¶ 31–

14 32. 15 As an employer of over fifty employees, Cedar Park is required under federal law 16 to purchase health insurance for its employees that includes maternity services. Under SB 17 6219, it is therefore also required to provide “substantially equivalent coverage to permit 18 the abortion of a pregnancy” unless it qualifies for an exemption. Prior to SB 6219, Cedar

19 Park was not required to, and did not, provide such coverage. 20 Cedar Park sued the State in an effort to enjoin enforcement of the bill prior to it 21 taking effect. See Dkt. 1. Based on evidence presented in support of the State’s instant 22 motion to dismiss, Cedar Park was engaged in negotiations with health insurance 1 providers regarding the availability of health insurance plans excluding abortion coverage 2 until July or August of 2019. See generally Dkt. 89-1 at 132–224. Prior to the enactment

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Cedar Park Assembly of God of Kirkland, Washington v. Kreidler, Counsel Stack Legal Research, https://law.counselstack.com/opinion/cedar-park-assembly-of-god-of-kirkland-washington-v-kreidler-wawd-2023.