I am on the green plan 115 per paycheck (because I was on crew care 2 last year so I got the discount), no sick children but I had my second child. After the seed money I am about 9800 (my wife and I both had 2500 FSAs) out of pocket for the year as of end of August. Still got four months left so I am trying to hit the max out of pocket of over 13 K. I am switching to Kaiser next year as It doesnt make sense to stay on JB health care with a family. I would rather pay for an aftermarket plan that has low detuctables and high monthly plan costs (about 600-800 range) and take the write off of on the monthly plan costs at the end of the year. Gotta love the DR!!!