​​Asheville Insurance Office

P.O. Box 1568, Fletcher, NC 28732

Phone: 828-318-8762 

Sky's The Limit
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P.O Box 1568
Fletcher, NC 28732
(828) 318-8762 Local
1(866)398-1902 Fax

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DID YOU KNOW…Employers who deduct premiums pretax should have a POP / Section 125 in place, or they could face stiff penalties.

January 2020

Recent announcements by the IRS and DOL have indicated a "zero-tolerance compliance standard" for adherence to required published guidelines. Many employers are routinely ignoring IRS and DOL compliance requirements for properly establishing and maintaining IRS Section 125 plans to deduct insurance premiums, medical and dependent care expenses. If the employer is audited and the plan disqualified, there could be serious repercussions such as 1.) deductions may be disallowed back to inception, 2.) assessment of back taxes with interest 3.) IRS 'improper withholding' penalties and, 4.) daily DOL fines. The employer would then be required to reissue W-2's for every participant possibly for multiple years and each employee could be faced with a large tax bill.

Sky's The Limit can help you comply with the law!

Open enrollment for under age 65 individual policies is 11/1/2019 through December 15, 2019

For Immediate Release: November 1, 2019

The 2020 Open Enrollment Period runs from Friday, November 1 to Sunday, December 15, 2019. If you don't act by December 15, you can't get 2020 coverage unless you qualify for a Special Enrollment Period. Plans sold during Open Enrollment start January 1, 2020. Call Sky's The Limit for all your health insurance needs during open enrollment.

Annual Medicare Open enrollment starts October 15th and goes through December 7th 2019

For Immediate Release: October 15th, 2019

If you want to switch between one Medicare Advantage plan to another, you can do so each year during the Annual Election/Open Enrollment Period, which runs October 15 to December 7.  Call Sky's The Limit for all your health insurance needs during open enrollment.

Blue Cross NC to Lower ACA Rates for Individuals by -5.5% in 2020

For Immediate Release: August 21, 2019

First individual market rate decrease for all 100 counties in Blue Cross NC history Durham, N.C. – Blue Cross and Blue Shield of North Carolina (Blue Cross NC) announced today that the North Carolina Department of Insurance (NCDOI) has approved its 5.5 percent average rate decrease for 2020 Affordable Care Act (ACA) plans offered to individuals. This is the first time in the history of Blue Cross NC, since entering the current individual market more than 25 years ago, that all 100 counties will see an average rate reduction.

Single Payer Proposals

April 2019

Single-payer national health insurance, also known as “Medicare for all,” is a system in which a single public or quasi-public agency organizes health care financing, but the delivery of care remains largely in private hands. Under a single-payer system, all residents of the U.S. would be covered for all medically necessary services, including doctor, hospital, preventive, long-term care, mental health, reproductive health care, dental, vision, prescription drug, and medical supply costs.  However, several variations are being proposed.  Click the link below for a comparison. (PDF document)