Likewise, I pay right at $200/mo for 3 subsidized smartphones with 10GB of shared data and unlimited text/talk on Verizon. We do typically go through 8-9GB of usage monthly too, so it's not much wasted. Fi would be like $15/mo/phone less expensive + that marginal data rebate except... I can get LTE on Verizon nearly everywhere, unlike with T-Mobile and Sprint (especially once you leave metro areas out west) and my phones are subsidized. If I want to subsidize a Nexus 6 through Fi, it's now an additional $27.04/month/phone, or for the 3 of us, $30 more expensive every month than Verizon.