Can someone help me shop for health insurance?

I'm looking for health insurance for myself, husband and our 4 yr old daughter. I am a full time student, so we only have one income coming in and its not great but its not too bad. So we are on a budget but we really need insurance!!! Can someone help me shop for a good insurance company? how much will it be a month and what will it cover?
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The Best Cheap Policy - Ultimately, you are the one who determines what is the best insurance because you decide what right balance between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as opting for low deductibles, low copays as well as vision and dental benefits your monthly premiums will be significant. On the other hand because you are young, presumably healthy and probably use the health care system sparingly you might consider a plan with a higher in hospital deductible, higher copays for doctor's office visits and perhaps not cover prescription drugs. This approach will result in a relatively lower monthly premium. You then can use the monthly premium savings to pay for the occasional prescription drug and still come out ahead. Based on what you are asking I would suggest that you need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. He or she can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Some are going to suggest you go to their site so that they earn a few pennies on a "click through". Some are going to suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan as the "best and cheapest" approach but that is not insurance at all. Use the Internet to research health insurance but use an agent to purchase the coverage.
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