I'm looking to purchase health insurance, what should I look for?

My husband and I are both employed but neither of our jobs offer health insurance. What should we look for in an agent? What is an appropriate insurance plan? How long will it be before coverage starts with most plans? We are 28 and 29 years old and neither of us have any known major health problems. Thanks for the input!!
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Finding an agent that represents the most options is the most important thing. If there were one insurance company that had the best product at the best price for all looking for coverage, there would only be one insurance company offering coverage in your area. If I were looking for coverage for you and your husband, I would make the following recommendations: 1. If maternity is in the plan for the future, make sure that your plan has coverage for it now. You may not be able to make changes in coverage later, especially if you get pregnant. 2. Consider a High-Deductible Health Plan. If you are both healthy and don't use your insurance much, why pay for a plan that will give you the right to pay a small co-pay that you may never use? HDHP can also qualify you for a Health Savings Account. This is a tax-advantaged account that you can establish to help pay all or part of your deductible, in the event you need it. The deductibles don't have to be huge and scary, but must meet the minimum requirements as established by the IRS. Also, typically, coverage can begin almost immediate, depending on the insurance companies' requirements. Some require that applications be submitted by a certain date to bind coverage for the following month. Others have a "rolling" enrollment process, where coverage can be effective on the date the application is signed, provided you pass the underwriting process. Good luck in your seach.
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