Two Knights Insurance Services encourages Californians to review coverage during open enrollment
-A message from Two Knights Insurance Services-
– Understanding your health insurance options is important, and having someone you trust to help you navigate them can make all the difference.
For many individuals and families, choosing health insurance can feel overwhelming. Between monthly premiums, deductibles, provider networks, prescription coverage and financial assistance, knowing which plan is the right fit is not always easy. That is where Theresa Hall, CEO and broker of Two Knights Insurance Services, comes in.
Herb Knight and Theresa Hall, founders of Two Knights Insurance Services.
Two Knights Insurance Services is a family-owned insurance agency founded by Herbert Knight and Theresa Hall in 2006. Now located in Atascadero, the agency is committed to helping individuals, families and businesses make informed decisions about their insurance coverage.
With more than 25 years of experience in human resources, finance, employee benefits and the insurance industry, Theresa understands that health insurance is about much more than selecting a policy. It is about protecting families, providing access to quality health care and helping people feel confident about their financial and health care decisions.
Covered California open enrollment: Don’t miss your opportunity
As open enrollment for 2027 coverage begins, Theresa is encouraging Central Coast residents to review their coverage and explore their options.
Covered California is the state’s health insurance marketplace, with financial assistance available to those who qualify based on household income and other eligibility requirements.
Open enrollment for 2027 coverage runs from Nov. 1, 2026, through Jan. 31, 2027. This is an important opportunity for individuals who are self-employed, work for a small business that does not offer health insurance, are between jobs, or simply need to purchase their own health coverage.
One of the biggest misconceptions about health insurance is that once you have a plan, you should automatically renew it each year. Theresa encourages consumers not to make that assumption.
“Your health care needs, household income and available insurance plans can change from year to year. What worked for you last year may not necessarily be your best option today. It is important to review your coverage, compare plans and make sure you are getting the benefits you need at a price that fits your budget.”
What should you consider when choosing a health plan?
When reviewing Covered California options, there are several important factors to consider:
- Monthly premiums: What will your insurance cost each month?
- Deductibles and copayments: How much will you pay when you receive medical care?
- Doctor and hospital networks: Are your preferred physicians, specialists and hospitals included?
- Prescription coverage: Are your medications covered, and what will they cost?
- Financial assistance: Do you qualify for federal or California state financial assistance to reduce your monthly premiums?
Covered California offers different levels of coverage, including Bronze, Silver, Gold and Platinum plans. Each level offers a different balance between monthly premiums and out-of-pocket costs. The lowest monthly premium does not always mean the lowest overall health care expense, so choosing the right plan requires looking at the complete picture.
Financial assistance may be available
Many Californians qualify for financial assistance that can make health insurance more affordable. Depending on household income, family size and eligibility, consumers may qualify for premium assistance through Covered California or other state programs. Eligibility can change, so it is important to review your household information each year.
Personal service makes a difference
At Two Knights Insurance Services, the philosophy is simple: insurance should be understandable, accessible and built on trust.
As an independent insurance agency, Two Knights helps clients navigate their options rather than simply pointing them toward a single insurance company. Theresa believes consumers deserve to understand what they are purchasing and feel comfortable asking questions before making important decisions. The agency also assists clients with Medicare, dental, vision, life insurance and employee benefits for small businesses.
“Our goal is to build relationships with the people we serve. We want our clients to know they have someone they can call when they have questions, need help understanding their benefits, or experience a change in their lives that affects their insurance coverage.”
Now is the time to review your coverage
If you currently have Covered California insurance or need to obtain individual health insurance for 2027, now is the time to start reviewing your options. Dec. 31, 2026, is the deadline to select a plan for coverage beginning Jan. 1, 2027. Enrollment continues through Jan. 31 for coverage beginning Feb. 1.
You do not have to navigate the process alone. Theresa Hall and the team at Two Knights Insurance Services are available to help individuals and families understand their options.
To schedule a consultation and discuss your 2027 health insurance options, visit twoknightsins.com.
Central California: (805) 460-6124
Northern California: (408) 448-1662
Southern California: (760) 488-6981
Two Knights Insurance Services, LTD
Atascadero, California
Helping individuals, families, and businesses protect what matters most.
