Same-ish for me and my 2 kids. Doesn't include the wife. I also have a max out of pocket of 3k per person and 9k total. My son gets daily therapy and just met the Max oop last month
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What would you buy if you could?
Just a thought, you could try getting a new Wi-Fi/Bluetooth card or just a USB dongle. Should be in the $10 usd range