Not USA but I'm sure a universal problem, we get about 24mbps down and 4.5mbps up and notice that on weekdays it plummets between 0730 and 0900, ergo, the time between when kids get up and school starts, same rules apply between 1530 and 2000.
Generally during these kids peak times we drop to about 16mbps and 3mbps but I am told if I pay another $10 per month I can go to 'turbo' which will double my speed.
As everything works for me I shall keep my $10.00.
We live about 2km out of town and are wirelessly connected, those in town are on copper or fibre.
We have no problems with Netflix so are reasonably happy with the service but with the newer high speed connection there is only one provider but dozens of retailers all offering different deals, with ADSL there were 3 providers and again many retailers.