I'm paying for 200 up/down but we're not using a Verizon router which I think helps.
@perspective - that sounds like maybe you're using an older modem that doesn't support the higher speeds.... or your router can't handle the throughput. I moved to a Docsis 3.1 modem a few months ago and got an Orbi mesh network and now my kids in the basement that are wired into the satellite get pretty much the same speeds as me being wired directly into the router.