Consumers whose Milliman IntelliScript prescription or medical history reports were sold to life insurers may qualify for a cash payment from the proposed $15.5 million Milliman FCRA class action settlement. The court has not granted preliminary approval, and there is no claim form or deadline yet.
Current Status
Claims are not open. The plaintiffs filed an unopposed motion asking the U.S. District Court for the Western District of Washington to preliminarily approve a $15.5 million settlement with Milliman, Inc., which does business as IntelliScript, in late October 2026. As of November 9, 2026, the court had not ruled on the motion, and no settlement website, claim form, claim deadline or final approval hearing had been announced. No payment date has been set.Free settlement alerts
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What Changed Recently?
Milliman agreed to pay $15.5 million to resolve consumer class claims under the Fair Credit Reporting Act over the IntelliScript reports it sells to insurers, and the plaintiffs filed the agreement for preliminary approval in the Healy v. Milliman case in late October 2026. The court had cleared the way on October 13, 2026, granting the plaintiffs leave to file a preliminary approval brief of up to 8,400 words.The settlement is designed to resolve three related cases in the same court. The plaintiff in Healy filed an amended complaint joining the plaintiffs from Morris v. Milliman, among others, and on October 27, 2026, the Morris parties stipulated to dismiss that case without prejudice, with leave to refile it if the settlement is not approved. A third case, Michalski v. Milliman, was filed in King County Superior Court in February 2026 and removed to federal court. The parties agreed in March 2026 to mediate all three cases together.
Milliman denies the allegations. A company spokesperson told InsuranceNewsNet that Milliman is confident in its process and procedures. The settlement is not an admission of wrongdoing.
Who Qualifies?
The exact settlement class definitions are in the settlement agreement filed with the court, and they will be published in a court-approved notice if the court grants preliminary approval. Until then, the clearest public description of who is covered comes from the litigation itself.The plaintiffs allege that Milliman violated the FCRA in two ways: by selling inaccurate consumer reports to insurance companies, and by failing to properly reinvestigate inaccuracies when consumers disputed information on their reports. The court had certified two classes in the Healy case on those theories, an “inaccuracy class” and a “reinvestigation class,” but class notice was never sent.
According to the Ninth Circuit’s summary of the record, the plaintiff identified the inaccuracy class through 311,226 reports Milliman sent to insurers that carried a Social Security number different from the one on the underlying data source and contained at least one prescription or medical record flagged as a yellow or red risk indicator. The Morris case covers a different time period from Healy, and the combined settlement class may reach further than either certified class.
How Much Can You Get?
No individual payment amount has been announced. The $15.5 million fund would pay court-approved attorneys’ fees, costs and settlement administration, with the rest going to class members under a formula set out in the settlement agreement. That agreement was filed with the preliminary approval motion but was not yet publicly available as of November 9, 2026, so OpenClassActions.com has not been able to confirm the payment formula, the per-person range or the business-practice terms. This page will be updated once the agreement or a court order is available.What Proof or Notice ID Is Required?
Not yet known. No claim form has been released, so it is not possible to say whether filing will require a notice ID, a PIN or any documentation. The online claim form has not opened; the filing requirements will be set by the court-approved claim form and notice.What Is the Deadline?
There is no claim deadline yet. If the court grants preliminary approval, its order will normally set the schedule for notice, the claim deadline, the opt-out and objection deadline, and the final approval hearing.How Do You Take Action?
There is nothing to file yet. No settlement website or settlement administrator had been announced as of November 9, 2026, and no claim form exists. If the court approves notice, claims will be filed through the official settlement website named in the court-approved notice.What Happens Next?
The next step is the court’s ruling on the unopposed motion for preliminary approval, which is before U.S. District Judge Tana Lin. If she grants it, the order will appoint a settlement administrator, approve the notice plan and set the claim, opt-out and objection deadlines and the final approval hearing. The court has not announced when it will rule, and preliminary approval is not final approval.The Lawsuit Behind the Settlement
Healy v. Milliman was filed on October 5, 2020. The original named plaintiff alleged that after he applied for life insurance in April 2020, the IntelliScript report sent to the insurer contained another person’s medical records and Social Security number, red-flagging conditions he said he did not have, and that the insurer denied his application. He also alleged that Milliman failed to timely investigate or correct the errors after he disputed them.The Ninth Circuit’s opinion describes how the reports are built. When someone applies for insurance, the insurer sends Milliman the applicant’s name, date of birth, gender, Social Security number and ZIP code, and Milliman pulls health records from sources such as pharmacy benefit managers, pharmacies and health insurers. About 87% of the information is matched by Social Security number. The rest is matched on the other identifiers, sometimes through what the court called “fuzzy matching” of similar names, and records found that way can be included even when they carry a different Social Security number. The reports flag each record red, yellow or green as a risk indicator for the insurer.
The district court granted Milliman partial summary judgment and dismissed the inaccuracy class, holding that the plaintiff had not shown direct evidence of injury on a class-wide basis. On January 9, 2026, the Ninth Circuit reversed in Healy v. Milliman, Inc., No. 24-3327. It held that unnamed class members must present evidence of standing at summary judgment, but that ordinary summary-judgment rules apply, so circumstantial evidence can be enough. The appeals court did not decide whether Milliman violated the FCRA. Its mandate issued on February 2, 2026, and the parties moved to mediation the following month.
Sources and Verification
• Morris v. Milliman, Inc., No. 2:23-cv-00446-TL, Dkt. 43 — Stipulated motion of dismissal citing the Healy settlement (W.D. Wash. Oct. 27, 2026)• Healy v. Milliman, Inc., No. 2:20-cv-01473-TL, Dkt. 250 — Order granting leave to file an overlength preliminary approval motion (Oct. 13, 2026)
• Healy v. Milliman, Inc., Dkt. 242 — Joint status report and stay pending mediation of the three related cases (Mar. 20, 2026)
• Healy v. Milliman, Inc., No. 24-3327 (9th Cir. Jan. 9, 2026) — opinion
• Healy v. Milliman Inc — docket summary (Justia)
• Law360 — Milliman Reaches $15.5M Deal In Life Insurance FCRA Suit (Oct. 27, 2026)
• InsuranceNewsNet — Milliman’s proposed $15.5 million settlement puts life insurance underwriting data in focus (Nov. 6, 2026)
• OpenClassActions — What the Fair Credit Reporting Act covers
Questions
Is the Milliman IntelliScript settlement accepting claims?
Not yet. The plaintiffs asked the U.S. District Court for the Western District of Washington to preliminarily approve the $15.5 million settlement in late October 2026. As of November 9, 2026, no preliminary approval order, settlement website, claim form or claim deadline had been published. Those normally follow a preliminary approval order.
What is a Milliman IntelliScript report?
IntelliScript is a Milliman, Inc. service that compiles a consumer’s prescription and medical history and sells the report to insurers, including life insurance companies reviewing an application. According to the Ninth Circuit’s January 2026 opinion in the case, the insurer sends Milliman the applicant’s name, date of birth, gender, Social Security number and ZIP code, and the report flags each record as a high, medium or low risk indicator.
How much could class members receive from the Milliman settlement?
No per-person amount has been announced. The payment formula, the share of the $15.5 million left after attorneys’ fees and administration costs, and any claim requirements will be set out in the settlement agreement filed with the preliminary approval motion, which was not yet publicly available as of November 9, 2026. All of it is subject to court approval.
Did the Ninth Circuit find that Milliman violated the FCRA?
No. The Ninth Circuit’s January 9, 2026 decision in Healy v. Milliman addressed only how class members must show standing at summary judgment. It reversed the dismissal of the certified inaccuracy class and sent the case back to the district court without deciding whether Milliman broke the law. Milliman denies the allegations, and the settlement is not an admission of wrongdoing.
Which lawsuits does the Milliman settlement resolve?
The settlement was filed in Healy v. Milliman, Inc., No. 2:20-cv-01473-TL, and is structured to resolve two related Western District of Washington cases as well: Morris v. Milliman, Inc., No. 2:23-cv-00446-TL, and Michalski v. Milliman, Inc., No. 2:26-cv-00615-TL. The Morris plaintiffs were joined to Healy through an amended complaint, and the Morris case was dismissed without prejudice with leave to refile if the settlement is not approved.
