CHAD A. READLER, Circuit Judge. Eric Patterson was injured in an auto accident. Patterson’s medical expenses were paid by his insurer, United. He also recovered for his injuries from the other driver. United claimed that Patterson’s insurance plan obliged him to pay those monies to United. Eventually, the parties settled the matter, with Patterson agreeing to pay the plan $25,000. Patterson later obtained a copy of the plan document, which contained no provision for reimbursement rights. So he filed suit against United and related entities under the Employee Retirement Income Security Act of 1974 (ERISA). The district court dismissed some of Patterson’s claims due to a lack of standing and the others because they failed to state a claim. We reverse in part and affirm in part.