https://www.marshamarrullier.com/blog daily 0.75 2026-09-10 https://www.marshamarrullier.com/blog/the-gag-clause monthly 0.5 2026-09-10 https://images.squarespace-cdn.com/content/v1/6a355abbaa94d7307769ab66/df2ee3cb-cfc4-400c-809f-bdce5dff78d6/The+Gag+Clause.png Blog - The Gag Clause: The Contract Term That Kept You From Your Own Data For most of my career, a self-funded employer could pay every claim and still be told it could not see the claims file. The reason was a gag clause: a line in the TPA, PBM, or network contract that kept the plan from getting or sharing its own cost, quality, and claims data. Federal law ended that in December 2020. Section 201 of the Consolidated Appropriations Act, 2021 prohibits group health plans from agreeing to any term that restricts access to provider-specific cost and quality information, de-identified claims data, or the ability to share that data with a consultant or auditor. https://www.marshamarrullier.com/blog/5ha2b9pdv3ggycr9ip9rrx6yqfsgm6 monthly 0.5 2026-08-19 https://images.squarespace-cdn.com/content/v1/6a355abbaa94d7307769ab66/28397ef8-4137-4497-834e-99b90ae06222/2027+Employee+Benefits+Update.jpg Blog - 2027 Employee Benefits Update: What's New (Not the Usual Open Enrollment Checklist) - The IRS and HHS have finalized next year's numbers, and a few federal provisions have shifted in ways that are actually worth knowing before your renewal conversations start. This isn't the standard "get ready for open enrollment" reminder — it's what's genuinely new for 2027. https://www.marshamarrullier.com/blog/irs-resumes-226-j-enforcement-what-employers-need-to-know-for-2024 monthly 0.5 2026-08-06 https://images.squarespace-cdn.com/content/v1/6a355abbaa94d7307769ab66/1785981604500-AETJ85V4VL9HBGN4GZFY/irs+226j+letters.jpg Blog - IRS Resumes 226-J Enforcement: What 0Employers Need to Know for 2024 - If your organization offers group health coverage and you've received an IRS Letter 226-J, you're not alone — and it doesn't automatically mean you owe a penalty. Letter 226-J proposes what the IRS calls an Employer Shared Responsibility Payment, or ESRP — better known as the ACA "pay or play" penalty. It's based on the IRS's review of your Forms 1094-C and 1095-C. Sometimes the proposed penalty is accurate. Just as often, it stems from a filing error — and a timely, well-documented response can reduce or eliminate it entirely. https://www.marshamarrullier.com/blog/bum5w36ft64h4z6cakuvum0a8ad3wz monthly 0.5 2026-07-29 https://images.squarespace-cdn.com/content/v1/6a355abbaa94d7307769ab66/1785182964712-7I86TORPIG17BUN7QNBA/RX+savings+by+Marsha+Marrullier.jpeg Blog - Beyond the Pharmacy Benefit - Every year, I sit across the table from CFOs and HR leaders who brace themselves for one number: the premium increase. 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