That's why there's a maximum out of pocket. 9Es medical has cheaper premiums, and I agree it is better than XJs, but your max out of pocket for a family is $3400. At XJ the max out of pocket is $2850 for a family. So in this one (and only one) area, XJs current plan is slightly better.
Maybe so, annual deductibles of $150/$350 and most costs at 10% makes hitting the $1700/$3400 mark a really bad year. $10 Copays and $5/$10 prescription costs are what most trips to the doc cost.