A Minnesota court dismissed Navarro v. Wells Fargo over a pharmacy benefit contract.
In March 2026 a Minnesota federal court dismissed a second complaint alleging a mismanaged pharmacy benefit contract, finding the participants lacked standing.
What the court decided.
Second Dismissal
The court dismissed a second complaint in March 2026, after an earlier dismissal in March 2025.
No Standing
Participants did not show a concrete injury from the pharmacy benefit contract.
Plan Costs Are Pooled
Contributions fund overall plan costs and participants received the benefits the plan promised.
Practical effects.
Standing Is a Hurdle
Plaintiffs must show personal financial harm to sue over drug pricing.
Fiduciary Duty Remains
The ruling does not remove the duty to monitor service providers prudently.
Appeals Possible
Other courts may see standing differently.
Document Decisions
Keep records of how pharmacy benefit decisions were made.
Quick answers.
Short answers. This is general information, not legal or tax advice.
Does this end drug pricing suits?
No. Other cases proceed, and courts may differ.
What is a PBM?
A pharmacy benefit manager administers the drug benefit for a plan.
What should we do?
Review the pharmacy contract and your oversight records.
Where the rules and figures come from.
Each figure on this page comes from the source below. Amounts are indexed or updated over time, so confirm current figures before relying on them.
29 U.S.C. 1106
ERISA prohibited transactions between a plan and parties in interest.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
Cookies on This Site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.

