Golden Gate Rest. Assoc. v. City and Cny of San Francisco

M. SMITH, Circuit Judge, with whom KOZINSKI, Chief Judge, and O’SCANNLAIN, KLEINFELD, TALLMAN, BYBEE, CALLAHAN, and BEA, Circuit Judges,

join dissenting from the denial of rehearing en banc:

I respectfully dissent from our court’s denial of rehearing this case en banc. Our decision in this case creates a circuit split with the Fourth Circuit Court of Appeals, renders meaningless the tests the Supreme Court set out in Shaw v. Delta Air Lines, Inc., 463 U.S. 85, 103 S.Ct. 2890, 77 L.Ed.2d 490 (1983), conflicts with other Supreme Court cases establishing ERISA1 preemption guidelines, and, most importantly, flouts the mandate of national uniformity in the area of employer-provided healthcare that underlies the enactment of ERISA. Our decision allows San Francisco to create an ordinance that effectively requires “ERISA administrators to master the relevant laws of 50 States”— which in turn “undermine[s] the congressional goal of ‘minimiz[ing] the administrative and financial burden[s]’ on plan administrators — burdens ultimately born by the beneficiaries.” Egelhoff v. Egelhoff, 532 U.S. 141, 149-50, 121 S.Ct. 1322, 149 L.Ed.2d 264 (2001).

The panel opinion creates “ ‘a road map for state and local governments’ ”2 seeking to regulate employee health plans despite ERISA’s preemptive mandate. In my view, if our decision in this case remains good law, similar laws will become commonplace, and the congressional goal of national uniformity in the area of employer-provided healthcare will be thoroughly undermined, with significant adverse consequences to employers and employees alike.

I

The San Francisco Health Care Security Ordinance (Ordinance, or San Francisco Ordinance) requires that covered employers 3 within San Francisco make minimum “expenditures” to their own programs for their employees’ health care or instead make contributions in the required amounts to the city. These alternative contributions go to finance either San Francisco’s Health Access Program (HAP) or health “reimbursement accounts.” The HAP serves uninsured San Francisco residents, while the “reimbursement accounts” are assigned to employees of the covered employers. For large businesses, the required employer’s rate in 2008 for health care expenditures is $1.76 for each hour *1005worked by a covered employee. The Ordinance also imposes extensive record keeping and reporting requirements on San Francisco employers, and creates penalties for employers who fail to comply with these requirements.4

Golden Gate Restaurant Association (GGRA) filed suit on November 8, 2006 against the City of San Francisco, in the Northern District of California, asking the district court to find that ERISA preempts the employer spending requirements of the Ordinance, and seeking a permanent injunction against enforcement of those provisions. The parties filed cross-motions for summary judgment.

On December 27, 2007, Judge Jeffrey S. White entered judgment for GGRA, finding that ERISA Section 514(a) preempts the Ordinance. Golden Gate Rest. Ass’n v. City & County of San Fran., 535 F.Supp.2d 968 (N.D.Cal.2007). Section 514(a) states that ERISA “shall supersede any and all State laws insofar as they may now or hereafter relate to any employee benefit plan.” To determine whether the Ordinance “related to” an employee benefit plan, Judge White applied the two tests articulated by the Supreme Court in Shaw v. Delta Air Lines, Inc., 463 U.S. 85, 103 S.Ct. 2890, 77 L.Ed.2d 490 (1983). These tests examine (1) whether a law has a “connection with” employers’ ERISA-regu-lated plans, or (2) whether such law makes “reference to” such employer-sponsored plans. If either test is met, the ordinance is preempted under Section 514(a). Judge White found the San Francisco Ordinance preempted under both tests. 535 F.Supp.2d at 975.

Applying the first test, Judge White found that the Ordinance has an impermissible connection with affected employer ERISA plans in four ways: (1) “the Ordinance affects plan administration, a core area of ERISA concern”; (2) the enforcement provisions impermissibly “impose on employers specific record keeping, inspection and other administrative burdens” which are “ongoing and directly affect” the scheme of health care benefits; (3) “the Ordinance directly and indirectly affects the structure and administration of ERISA plans”; and (4) the Ordinance “has a prohibited connection with ERISA plans because it interferes with nationally uniform plan administration.” Id. at 975-77. Although the district court acknowledged that required payments under the Ordinance could be made directly to a public entitlement program, effectively bypassing employer ERISA plans, “[t]he undeniable fact is that the vast majority of any employer’s healthcare spending occurs through ERISA plans. Thus, the primary subjects of the [expenditure requirements] are ERISA plans, and any attempt to comply with the statute would have direct effects on the employer’s ERISA plans.” Id. at 976(quoting Retail Indus. Leaders Ass’n v. Fielder, 475 F.3d 180, 196 (4th Cir.2007)).

Applying the second Shaw test, Judge White found that the Ordinance impermis-sibly makes reference to employers’ ERISA plans by defining “health care expenditure” in such a way that compliance can only be determined with reference to the employer’s ERISA-regulated health plan.5 I believe Judge White’s well reasoned opinion should have been upheld by our court.

*1006II

Our merits panel disagreed with Judge White, and determined that the Ordinance does not “relate to” ERISA plans. The panel reasoned that because the Ordinance does not require an employer to adopt an ERISA plan or to provide benefits though an ERISA plan (as a covered employer can discharge its expenditure obligations by making payments to the city), the Ordinance sidesteps Section 514(a) preemption. The panel also indicated that the Ordinance was not preempted because it regulated employer payments instead of employee benefits.

A

In so holding, the panel’s decision conflicts with a recent ease from the Fourth Circuit Court of Appeals. In 2007, the Fourth Circuit struck down a similar state statute in Fielder, 475 F.3d at 183.6 In that case, the ordinance at issue required covered employers to spend at least 8% of their payroll costs on health insurance, or else to pay a like sum of money to the state of Maryland. Fielder held that ERISA Section 514(a) preempted the Maryland statute because the statute forced employers either to make minimum health care contributions to ERISA plans for its employees or to make contributions to Maryland’s Health Care Fund. The Fourth Circuit recognized that “categories of ERISA and non-ERISA healthcare spending [are not] isolated, unrelated costs.” Id. at 197. Further, the court reasoned that “fair share laws,” such as the Maryland law, were impermissibly connected with ERISA plans because they “would disrupt employers’ uniform administration of employee benefit plans on a nationwide basis.” Id. at 194.

In Golden Gate, the panel distinguishes Fielder by noting that the Maryland law created no “meaningful alternative” for the employer other than increasing their current health plans. The alternative, which the panel dismissed, was simply a tax on the employers, which was not earmarked towards their employees’ insurance, but rather towards general entitlement funds. Our panel implies that in the San Francisco Ordinance, the municipally funded health alternative is somehow more “meaningful.” This meaning ostensibly comes from the fact that employers are still contributing to their specific employees health care, albeit through the administration of the city.

Such a distinction conflicts with the reasoning of Fielder. The Fielder court explained that even were there a more “meaningful avenue” by which the employer could make non-ERISA healthcare payments, the Maryland statute was still im-permissibly connected to ERISA plans. 475 F.3d at 196-97 (“If [the employer] were to attempt to utilize non-ERISA health spending options to [comply with the statute], it would need to coordinate those spending efforts with its existing ERISA plans.... Decisions regarding one would affect the other and thereby violate ERISA’s preemption provision.”). Covered employers under San Francisco’s Ordinance must coordinate their non-ERISA payments with their ERISA plans in the very manner the Fielder court deemed impermissible.

When determining how much, if any, payment they have to make to the city to be in compliance, they necessarily need to evaluate and coordinate with their existing ERISA plans. A currently non-complying employer in San Francisco has the same *1007choice as a non-complying employer in Maryland: Make a payment to the government or change its current ERISA plan. Where the employer’s payment goes after the employer makes its choice does not change the fundamental nature of the payment from a penalty to a “meaningful avenue.”

The holdings of Fielder and Golden Gate stand in clear opposition, and create a circuit split on the issue of whether ERISA preempts “fair share” or “play-or-pay” ordinances.

B

Further, the Golden Gate panel opinion disregards important case law setting forth ERISA preemption principles. ERISA preemption’s “goal was to minimize the administrative and financial burden of complying with conflicting directives among States or between States and the Federal Government ..., [and to prevent] the potential for conflict in substantive law ... requiring the tailoring of plans and employer conduct to the peculiarities of the law of each jurisdiction.” N.Y. State Conference of Blue Cross & Blue Shield Plans v. Travelers Ins. Co., 514 U.S. 645, 656-57, 115 S.Ct. 1671, 131 L.Ed.2d 695 (1995) (quoting Ingersoll-Rand Co. v. McClendon, 498 U.S. 133, 142, 111 S.Ct. 478, 112 L.Ed.2d 474 (1990)). The burden of conflicting obligations on employers operating in multiple jurisdictions “is exactly the burden that ERISA seeks to eliminate.” Egelhoff, 532 U.S. at 151, 121 S.Ct. 1322. “Requiring ERISA administrators to master the relevant laws of 50 States ... would undermine the congressional goal of ‘minimiz[ing] the administrative and financial burden[s]’ on plan administrators — burdens ultimately born by the beneficiaries.” Id. at 149-50, 121 S.Ct. 1322(quoting Ingersoll-Rand Co., 498 U.S. at 142, 111 S.Ct. 478). The opinion in Golden Gate conflicts with these ERISA preemption principles.

In Egelhojf, the Court dismissed the argument that states can avoid preemption by offering employers a theoretical means to avoid changing their current ERISA plans. 532 U.S. at 147-48, 121 S.Ct. 1322. Although employers were able to “opt out” of the state law requirement, the law had “a connection with” the ERISA plan and was thus preempted. Id. at 150, 121 S.Ct. 1322. The court held that “[t]he statute is not any less of a regulation of the terms of ERISA plans simply because there are two ways of complying with it.” Id. The San Francisco Ordinance at issue here is similarly connected, as it structures employers’ choices with respect to their existing ERISA plans. Noncomplying San Francisco employers have a choice: either increase or maintain their health care expenditures under their own plans, or, pay enough to the city to satisfy that mandated minimum. Per Egelhojf, a law like the San Francisco ordinance is ERISA-preempted because it frames employers’ choices in this fashion.

Further, allowing San Francisco to pose such a choice would strike at the heart of ERISA because the plan administrators would have to account for potential opt-out provisions in all 50 states. Id. at 151. Egelhojf explained this burden:

It is not enough for plan administrators to opt out of this particular statute. Instead, they must maintain a familiarity with the laws of all 50 States so that they can update their plans as necessary to satisfy the opt-out requirements of other, similar statutes. They also must be attentive to changes in the interpretations of those statutes by state courts. This “tailoring of plans and employer conduct to the peculiarities of the law of each jurisdiction” is exactly the burden ERISA seeks to eliminate.

Id. (quoting Ingersoll-Rand, 498 U.S. at 142, 111 S.Ct. 478). The Ordinance here *1008places employers in a similar situation. As the Secretary of Labor observes, while the “administrative burden imposed by a single law may be tolerable, the cumulative burden could be staggering and runs directly counter to ERISA’s goal of encouraging employers, who may operate nationally, voluntarily to provide uniform employee benefits under the legal framework provided by a federal scheme with intentionally broad preemptive force.” Secretary’s Amicus Brief, at 15.

In addition, the Golden Gate opinion conflicts with District of Columbia v. Greater Washington Board of Trade, 506 U.S. 125, 113 S.Ct. 580, 121 L.Ed.2d 513 (1992). In that case, a D.C. ordinance required employers to provide the same medical coverage to injured employees as to non-injured, active employees. The Supreme Court struck down the ordinance, explaining that the statute impermissibly referred to an ERISA plan. Id. at 130, 113 S.Ct. 580. This was so even though D.C. employers did not need to amend their ERISA plans to comply with the ordinance; they could provide benefits for injured employees through a separate or non-ERISA plan. The Court found that the statute was preempted, however, because the benefits had to be equal, thereby requiring a comparison to the ERISA plan. Similarly, in Golden Gate, although covered employers may not need to amend their ERISA plans under the Ordinance, they can only determine their compliance by using their current ERISA plans as a reference.

The Golden Gate opinion attempted to distinguish this case by claiming that a “critical distinction” existed because “[u]n-der the ordinance in Greater Washington, obligations were measured by reference to the level of benefits provided by the ERISA plan to the employee. Under the Ordinance in our case ... [obligations] are measured by reference to the payments provided by the employer to an ERISA plan or to another entity.” 546 F.3d at 658. Thus, the panel implies that the D.C. statute would have survived had the statute required covered employers to spend the same amount for injured and non-injured employees instead of requiring the benefits be equal. This distinction has no basis in the text of Greater Washington and greatly revises ERISA preemption case law.

C

Finally, and most importantly, I dissent because this case concerns an issue of exceptional national importance, ie., national uniformity in the area of employer-provided healthcare. The Fourth Circuit in Fielder and the district court here both considered the need for nationally uniform plan administration to be the central concern of the Supreme Court’s ERISA preemption case law. The diverse interests of the amicus groups who wrote in support of both positions indicates the level of far-reaching national importance the Golden Gate decision has for many groups across the United States.7

*1009At the time of ERISA’s enactment, a coalition reflecting employer and labor interests sought the establishment of a uniform regulatory system for retirement and welfare benefit plans.8 As amici the ERISA Industry Committee and the National Business Group on Health note in their brief, the legislators who helped push ERISA through Congress were focused on a broad preemption provision. Senator Javits remarked that “the emergence of a comprehensive and pervasive Federal interest and the interests of uniformity with respect to interstate plans required ... the displacement of State action in the field of private employee benefits programs.” 129 Cong. Rec. 29942 (Aug. 22, 1974). Representative Dent remarked, “[w]ith the preemption of the field, we round out the protection afforded to participants by eliminating the threat of conflicting and inconsistent State and local regulation.” Id. Finally, Senator Williams added:

[T]he substantive and enforcement provisions of the conference substitute are intended to preempt the field for Federal regulations, thus eliminating the threat of conflicting or inconsistent State and local regulation of employee benefit plans. This principle is intended to apply in the broadest sense to all actions of State or local governments, or any instrumentality thereof, which have the force or effect of law.

Id. The Golden Gate panel opinion ignores ERISA’s preemption goals and instead focuses on ERISA’s objective of protecting against misuse of benefit plan funds. While misuse was undoubtedly a concern, it is clear from the cited language that preemption was central to ERISA’s implementation.

The problems that the Ordinance poses to multi-jurisdictional employers are significant. Without uniformity, multi-state employers cannot offer all of their similarly situated employees the same benefits, and creates no possibility of continuity in benefit programs. Our panel’s decision essentially guarantees, for example, that employees of a national chain restaurant in Oakland will receive different benefits than similarly situated employees of the same restaurant just a few miles away in San Francisco. Uniformity is essential to ensuring that employees understand what benefits they are entitled to and how to obtain them. Covered employers in San Francisco must continuously monitor the City’s spending targets, make quarterly calculations for health care expenditures, keep abreast of varying definitions for different employees, track eligibility waiting periods for each individual employee, and maintain the records keeping requirements of the Ordinance. While this may not be difficult on a small scale, if we consider the possibility of numerous cities, counties and states enacting similar laws, the burden this places on employers is potentially very great, thereby encouraging affected employers to drop their ERISA plans as a cost saving measure. If upheld, Golden Gate will undoubtedly serve as a roadmap in jurisdictions across the country on how to design and enact a labyrinth of laws requiring employer compliance on health care expenditures, thereby creating the very kind of health care expenditure balkanization ERISA was intended to avoid.

Ill

I dissent because I believe the San Francisco Ordinance is clearly preempted *1010by ERISA Section 514(a). Contrary to the arguments made by Judge W. Fletcher in both the Concurrence and the original panel opinion, our decision here creates a circuit split with the Fourth Circuit, undercuts the Supreme Court’s ERISA preemption case law, and creates a roadmap for the enactment of numerous conflicting health care laws affecting national employers, the very situation Congress strove to avoid when it enacted ERISA.

. Employee Retirement Income Security Act of 1974 (ERISA).

. Jason Dearen, Federal Court Upholds San Francisco Healthcare Program, L.A. Times, Sept. 30, 2008 (quoting City Attorney Dennis Herrera).

.A covered employer is a for-profit employer engaged in business in San Francisco for whom at least twenty persons work, or a nonprofit employer in San Francisco for whom at least fifty persons work. San Francisco Health Care Security Ordinance (HSAO), §§ 14.1(b)(3), 14.1(b)(4) and 14. l(b)(15).

. The Ordinance requires covered employers to keep "accurate records of health care expenditures, required health care expenditures, and proof of such expenditures made each quarter each year.” HSAO § 14.1 (b)(i).

. Judge White did not, as the plaintiff and many of the amici urged, find that payments to the city under the Ordinance created an ERISA plan.

. In addition, in Retail Indus. Leaders Ass’n v. Suffolk County, 497 F.Supp.2d 403 (E.D.N.Y.2007), the Eastern District of New York held that ERISA preempts a similar Suffolk County ordinance.

. The plaintiff-appellants had eight amicus briefs submitted in support of their position, by the United States Department of Labor, National Federation of Independent Business Legal Foundation, Retail Industry Leaders Association/United States Chamber of Commerce, Human Resource Policy Association, Employers Group/California Chamber of Commerce, International Franchise Association/Society for Human Resource Management/National Association of Manufacturers, ERISA Industry Committee/National Business group on Health, and the American Benefits Council. The defendants-appellees had two amicus briefs submitted in support of their position, by the American Association of Retired People and the Attorney General of the State of California.

. Wooten, James A., "A Legislative and Political History of ERISA Preemption, Part 2.” JOURNAL OF PENSION BENEFITS, Vol. 14, No. 3, p. 10, Spring 2007; Buffalo Legal Studies Research Paper No.2007-018. Available at SSRN: http://ssrn.com/abstract= 1023699.