⚖ Oral Arguments, with Context

The First Circuit considers whether Massachusetts's filed-rate doctrine bars a class action under Chapter 93A, the state's consumer-protection law. The doctrine generally prevents courts from replacing rates filed with a regulator. The plaintiffs allege that the defendant insurers use military pay grade to assign customers to two subsidiaries, which they say amounts to prohibited income and occupation discrimination. The insurers say those assignments create the risk pools behind the approved rates, so classification and rates cannot be separated. The case reaches this court before final judgment after the district court denied dismissal and certified the question for immediate appeal.

Wright v. United Services Automobile Association (No. 25-1979) — U.S. Court of Appeals for the First Circuit, argued September 10, 2026.