But what do you really think?

I reframed the whole thing around your wife alone, since the kids and you stay on Apple no matter what. Three things changed the picture:
The relevant Adobe numbers for her are the self-only figures — $2,000 deductible, $4,900 out-of-pocket max, 20% coinsurance — not the family ones. Apple is still more generous on cost-sharing (10% vs. 20%, lower OOP cap), and there's a bonus: if she rejoins Apple, her care runs through the family deductible the kids are already chipping away at, so her marginal out-of-pocket there is often small. The calculator now has a "deductible already met" input to capture that.

I think this is pretty damn cool.

Well then, I never thought i'd see the day.

Yet, here we are. Here. We. Are.

heh

Is it though?