A recent Ninth Circuit decision held that both named and unnamed class members in a class seeking monetary damages must come forward with sufficient evidence of Article III standing at the summary judgment stage—not merely at a later claims or distribution process. This gives defendants a powerful tool in defending class actions after they are certified and before trial.
In Healy v. Milliman, Inc., – F.4th –, 2026 WL 71863 (9th Cir. Jan. 9, 2026), the case arose from alleged inaccuracies in Milliman’s consumer reports used by life insurers in underwriting. The named plaintiff, for example, alleged that he was denied life insurance based on a report that erroneously advised the life insurer that he had serious medical conditions. He brought a putative class action under the federal Fair Credit Reporting Act. The district court initially certified an “inaccuracy class,” defined (in part) by reports showing a mismatch between the applicant’s SSN and the SSN on a data source. Milliman then moved for partial summary judgment, arguing that this SSN-mismatch methodology could not establish classwide standing because it did not prove that the file contained mismatched health information.
The Ninth Circuit had previously held that prior to class certification, only a named plaintiff has to demonstrate Article III standing (an issue that the Supreme Court has declined to address). In Healy, the Ninth Circuit held that the logic of the Supreme Court’s decision in TransUnion LLC v. Ramirez, 594 U.S. 413 (2021) requires unnamed members of a certified class seeking money damages to demonstrate standing at summary judgment. In TransUnion, the Court analyzed the trial record and determined that certain class members had standing and others did not, demonstrating that class member standing is a requirement at least at trial in a damages class action. Given this holding, the Ninth Circuit concluded that in responding to a summary judgment motion, the plaintiffs must demonstrate on behalf of unnamed class members at least a genuine dispute of material fact as to the requirements for standing. While the district court concluded that there was no direct, classwide evidence that the unnamed class members were injured, the Ninth Circuit concluded that standing potentially could be proven with circumstantial evidence, and remanded for the district court to decide whether the evidence was sufficient.
Following this decision, defendants faced with certified class actions in circuits that do not require a showing of class member standing at the class certification stage are likely to raise this issue at summary judgment. Many class actions include class members who are uninjured or not likely to be able to establish an injury-in-fact. A successful challenge to standing at the summary judgment stage of the case can potentially substantially narrow the defendant’s exposure or lead to decertification of the class.