Insurance for two healthy 30 year olds?

My wife and I are relatively healthy. No health issues for either of us, except for my wife who typically has her routine visits to a gyno and once in a while has GI issues she very occasionally need to see a gastroenterologist for.

We may plan on having a kid in 1 or 2 years.

We’re currently shopping for an insurance and not sure what direction to steer in.

Once in a while we may have to get appts with say, a dermatologist, therapist, etc.

We’re not looking at “cheaping out” on insurance, but also don’t want to overpay for something that’s beyond what we need.